Home > First State Bank of Burnet > Performance and Condition Ratios
First State Bank of Burnet, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 4,159 |
| Cost of funding earning assets | 0.8909% | 4,082 |
| Net interest margin | 3.3172% | 2,742 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 2.3275% | 2,780 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.1154% | 1,964 |
| Return on assets (ROA) | 1.1154% | 1,963 |
| Pretax return on assets | 1.1154% | 2,463 |
| Return on Equity (ROE) | 12.3400% | 1,654 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,433 |
| Net charge-offs to loans | 0.0114% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 385 |
| Efficiency ratio | 67.1009% | 2,130 |
| Assets per employee ($millions) | 7.5718% | 1,837 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 3,517 |
| Loan loss allowance to noncurrent loans | 12,218.1818% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,764 |
| Noncurrent loans to loans | 0.0076% | 3,715 |
| Net loans and leases to total assets | 43.9300% | 3,842 |
| Net loans and leases to deposits | 48.3549% | 3,923 |
| Net loans and leases to core deposits | 52.2497% | 3,930 |
| Total domestic deposits to total assets | 90.8500% | 565 |
| Equity capital to assets | 8.9460% | 2,977 |
| Core capital (leverage) ratio | 12.3350% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $309,857,000 | 2,438 |
| Average earning assets | $302,179,500 | 2,360 |
| Average equity | $28,012,000 | 2,530 |
| Average total loans | $140,077,000 | 2,855 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,321 |
| Cost of funding earning assets | 0.8393% | 4,150 |
| Net interest margin | 3.0719% | 3,012 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.2015% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0308% | 1,955 |
| Return on assets (ROA) | 1.0308% | 1,952 |
| Pretax return on assets | 1.0308% | 2,449 |
| Return on Equity (ROE) | 12.2400% | 1,554 |
| Retained earnings to average equity (ytd only) | 4.5949% | 2,398 |
| Net charge-offs to loans | 0.0172% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 146.3810% | 630 |
| Efficiency ratio | 68.1087% | 2,241 |
| Assets per employee ($millions) | 6.5362% | 2,485 |
| Cash dividends to net income (ytd only)* | 62.4593% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,273 |
| Loan loss allowance to noncurrent loans | 26,960.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,790 |
| Noncurrent loans to loans | 0.0037% | 3,748 |
| Net loans and leases to total assets | 45.7000% | 3,824 |
| Net loans and leases to deposits | 50.4065% | 3,902 |
| Net loans and leases to core deposits | 54.3316% | 3,930 |
| Total domestic deposits to total assets | 90.6700% | 611 |
| Equity capital to assets | 9.1447% | 2,710 |
| Core capital (leverage) ratio | 12.4656% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $298,205,000 | 2,473 |
| Average earning assets | $291,061,400 | 2,388 |
| Average equity | $25,115,000 | 2,625 |
| Average total loans | $122,117,600 | 2,974 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,368 |
| Cost of funding earning assets | 0.8210% | 4,183 |
| Net interest margin | 2.9904% | 3,114 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 2.1878% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9611% | 2,180 |
| Return on assets (ROA) | 0.9611% | 2,184 |
| Pretax return on assets | 0.9611% | 2,655 |
| Return on Equity (ROE) | 11.6600% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.7399% | 2,561 |
| Net charge-offs to loans | 0.0393% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 61.6286% | 1,082 |
| Efficiency ratio | 69.4779% | 2,080 |
| Assets per employee ($millions) | 6.5486% | 2,473 |
| Cash dividends to net income (ytd only)* | 59.3417% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 2,968 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 42.3600% | 3,954 |
| Net loans and leases to deposits | 47.0779% | 4,035 |
| Net loans and leases to core deposits | 50.6878% | 4,027 |
| Total domestic deposits to total assets | 89.9900% | 594 |
| Equity capital to assets | 9.7368% | 2,470 |
| Core capital (leverage) ratio | 12.5437% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $299,224,500 | 2,458 |
| Average earning assets | $292,171,750 | 2,384 |
| Average equity | $24,669,500 | 2,645 |
| Average total loans | $118,702,500 | 3,003 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,390 |
| Cost of funding earning assets | 0.7973% | 4,187 |
| Net interest margin | 2.9573% | 3,147 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.1434% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9696% | 2,094 |
| Return on assets (ROA) | 0.9696% | 2,087 |
| Pretax return on assets | 0.9696% | 2,567 |
| Return on Equity (ROE) | 12.5000% | 1,486 |
| Retained earnings to average equity (ytd only) | 5.6412% | 2,140 |
| Net charge-offs to loans | 0.0499% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 50.2759% | 1,115 |
| Efficiency ratio | 68.8528% | 2,232 |
| Assets per employee ($millions) | 6.3172% | 2,545 |
| Cash dividends to net income (ytd only)* | 54.8697% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 2,738 |
| Loan loss allowance to noncurrent loans | 44,666.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,834 |
| Noncurrent loans to loans | 0.0025% | 3,790 |
| Net loans and leases to total assets | 40.2300% | 4,031 |
| Net loans and leases to deposits | 43.8661% | 4,112 |
| Net loans and leases to core deposits | 46.6988% | 4,115 |
| Total domestic deposits to total assets | 91.7100% | 311 |
| Equity capital to assets | 8.0729% | 3,379 |
| Core capital (leverage) ratio | 12.2239% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $300,737,667 | 2,446 |
| Average earning assets | $293,506,667 | 2,363 |
| Average equity | $23,328,333 | 2,694 |
| Average total loans | $116,211,000 | 3,032 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,431 |
| Cost of funding earning assets | 0.7595% | 4,206 |
| Net interest margin | 2.8876% | 3,218 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.1477% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8868% | 2,268 |
| Return on assets (ROA) | 0.8868% | 2,281 |
| Pretax return on assets | 0.8868% | 2,704 |
| Return on Equity (ROE) | 11.6700% | 1,666 |
| Retained earnings to average equity (ytd only) | 4.7114% | 2,494 |
| Net charge-offs to loans | 0.1124% | 672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 20.9688% | 1,337 |
| Efficiency ratio | 70.7753% | 2,064 |
| Assets per employee ($millions) | 6.6966% | 2,288 |
| Cash dividends to net income (ytd only)* | 59.6125% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,100 |
| Loan loss allowance to noncurrent loans | 35,875.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,865 |
| Noncurrent loans to loans | 0.0034% | 3,793 |
| Net loans and leases to total assets | 37.3100% | 4,110 |
| Net loans and leases to deposits | 40.3956% | 4,172 |
| Net loans and leases to core deposits | 42.9182% | 4,228 |
| Total domestic deposits to total assets | 92.3700% | 275 |
| Equity capital to assets | 7.4564% | 3,703 |
| Core capital (leverage) ratio | 12.0268% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $302,652,500 | 2,441 |
| Average earning assets | $295,473,500 | 2,359 |
| Average equity | $23,008,000 | 2,718 |
| Average total loans | $113,926,500 | 3,064 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 4,444 |
| Cost of funding earning assets | 0.4021% | 4,293 |
| Net interest margin | 2.9468% | 3,398 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9923% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1073% | 1,903 |
| Return on assets (ROA) | 0.9307% | 2,420 |
| Pretax return on assets | 0.9307% | 2,869 |
| Return on Equity (ROE) | 14.2700% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.7312% | 2,701 |
| Net charge-offs to loans | -0.0145% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.2760% | 2,572 |
| Assets per employee ($millions) | 6.7559% | 2,240 |
| Cash dividends to net income (ytd only)* | 66.8524% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 1,698 |
| Loan loss allowance to noncurrent loans | 3,964.8649% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,684 |
| Noncurrent loans to loans | 0.0332% | 3,496 |
| Net loans and leases to total assets | 37.0100% | 4,125 |
| Net loans and leases to deposits | 40.1689% | 4,198 |
| Net loans and leases to core deposits | 42.1918% | 4,251 |
| Total domestic deposits to total assets | 92.1300% | 287 |
| Equity capital to assets | 7.7531% | 3,573 |
| Core capital (leverage) ratio | 11.9480% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $308,594,600 | 2,387 |
| Average earning assets | $301,952,400 | 2,295 |
| Average equity | $20,121,600 | 2,843 |
| Average total loans | $117,069,000 | 2,988 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 4,470 |
| Cost of funding earning assets | 0.3351% | 4,328 |
| Net interest margin | 2.9192% | 3,499 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.9154% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1547% | 1,914 |
| Return on assets (ROA) | 0.9213% | 2,594 |
| Pretax return on assets | 0.9213% | 3,055 |
| Return on Equity (ROE) | 14.8000% | 1,483 |
| Retained earnings to average equity (ytd only) | 5.7760% | 2,695 |
| Net charge-offs to loans | -0.0304% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.3902% | 2,675 |
| Assets per employee ($millions) | 6.6209% | 2,232 |
| Cash dividends to net income (ytd only)* | 60.9665% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,063 |
| Loan loss allowance to noncurrent loans | 2,896.0784% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,656 |
| Noncurrent loans to loans | 0.0434% | 3,450 |
| Net loans and leases to total assets | 39.8100% | 4,062 |
| Net loans and leases to deposits | 42.4605% | 4,153 |
| Net loans and leases to core deposits | 44.2460% | 4,168 |
| Total domestic deposits to total assets | 93.7500% | 211 |
| Equity capital to assets | 6.1163% | 3,950 |
| Core capital (leverage) ratio | 11.7444% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $311,428,000 | 2,369 |
| Average earning assets | $304,778,750 | 2,274 |
| Average equity | $19,390,250 | 2,900 |
| Average total loans | $118,466,750 | 2,974 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1138% | 4,524 |
| Cost of funding earning assets | 0.2645% | 4,364 |
| Net interest margin | 2.8493% | 3,734 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8665% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1304% | 2,035 |
| Return on assets (ROA) | 0.9506% | 2,575 |
| Pretax return on assets | 0.9506% | 3,049 |
| Return on Equity (ROE) | 15.1900% | 1,434 |
| Retained earnings to average equity (ytd only) | 8.4361% | 1,837 |
| Net charge-offs to loans | 0.0202% | 1,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 149.8333% | 754 |
| Efficiency ratio | 62.2824% | 2,679 |
| Assets per employee ($millions) | 6.5031% | 2,283 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,301 |
| Loan loss allowance to noncurrent loans | 2,934.6939% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,678 |
| Noncurrent loans to loans | 0.0419% | 3,426 |
| Net loans and leases to total assets | 37.8300% | 4,123 |
| Net loans and leases to deposits | 40.4995% | 4,203 |
| Net loans and leases to core deposits | 42.0340% | 4,213 |
| Total domestic deposits to total assets | 93.4200% | 192 |
| Equity capital to assets | 6.4745% | 4,003 |
| Core capital (leverage) ratio | 11.3514% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $318,131,333 | 2,335 |
| Average earning assets | $311,512,667 | 2,250 |
| Average equity | $19,914,333 | 2,875 |
| Average total loans | $118,810,000 | 2,965 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9357% | 4,573 |
| Cost of funding earning assets | 0.2050% | 4,371 |
| Net interest margin | 2.7307% | 4,034 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.8879% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9988% | 2,530 |
| Return on assets (ROA) | 0.6462% | 3,552 |
| Pretax return on assets | 0.6462% | 3,761 |
| Return on Equity (ROE) | 10.4900% | 2,635 |
| Retained earnings to average equity (ytd only) | 4.7254% | 3,081 |
| Net charge-offs to loans | 0.0134% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 202.5000% | 502 |
| Efficiency ratio | 65.3994% | 2,285 |
| Assets per employee ($millions) | 7.2539% | 1,781 |
| Cash dividends to net income (ytd only)* | 54.9618% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,595 |
| Loan loss allowance to noncurrent loans | 2,951.0204% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,693 |
| Noncurrent loans to loans | 0.0404% | 3,450 |
| Net loans and leases to total assets | 36.7300% | 4,161 |
| Net loans and leases to deposits | 39.3847% | 4,241 |
| Net loans and leases to core deposits | 40.4220% | 4,262 |
| Total domestic deposits to total assets | 93.2500% | 267 |
| Equity capital to assets | 6.6787% | 3,975 |
| Core capital (leverage) ratio | 12.4075% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $324,373,500 | 2,343 |
| Average earning assets | $318,012,000 | 2,265 |
| Average equity | $19,977,000 | 2,896 |
| Average total loans | $119,678,500 | 2,982 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6863% | 4,412 |
| Cost of funding earning assets | 0.0608% | 4,542 |
| Net interest margin | 2.6256% | 4,142 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.8172% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9887% | 2,609 |
| Return on assets (ROA) | 0.9887% | 2,559 |
| Pretax return on assets | 0.9887% | 3,103 |
| Return on Equity (ROE) | 14.1200% | 1,505 |
| Retained earnings to average equity (ytd only) | 5.8302% | 2,707 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.7635% | 2,391 |
| Assets per employee ($millions) | 6.7150% | 2,175 |
| Cash dividends to net income (ytd only)* | 58.6976% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,257 |
| Loan loss allowance to noncurrent loans | 6,037.5000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,831 |
| Noncurrent loans to loans | 0.0203% | 3,667 |
| Net loans and leases to total assets | 36.1700% | 4,205 |
| Net loans and leases to deposits | 39.0242% | 4,271 |
| Net loans and leases to core deposits | 39.6622% | 4,285 |
| Total domestic deposits to total assets | 92.6800% | 470 |
| Equity capital to assets | 5.6320% | 4,199 |
| Core capital (leverage) ratio | 12.0532% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $330,836,000 | 2,296 |
| Average earning assets | $324,236,200 | 2,221 |
| Average equity | $23,172,400 | 2,689 |
| Average total loans | $113,446,400 | 2,997 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5962% | 4,396 |
| Cost of funding earning assets | 0.0535% | 4,561 |
| Net interest margin | 2.5427% | 4,174 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.7559% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9522% | 2,656 |
| Return on assets (ROA) | 0.9522% | 2,627 |
| Pretax return on assets | 0.9522% | 3,173 |
| Return on Equity (ROE) | 12.9800% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.2158% | 2,295 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8381% | 2,433 |
| Assets per employee ($millions) | 6.7538% | 2,130 |
| Cash dividends to net income (ytd only)* | 44.4071% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,333 |
| Loan loss allowance to noncurrent loans | 18,125.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,002 |
| Noncurrent loans to loans | 0.0068% | 3,904 |
| Net loans and leases to total assets | 35.6700% | 4,241 |
| Net loans and leases to deposits | 37.5206% | 4,324 |
| Net loans and leases to core deposits | 38.2125% | 4,338 |
| Total domestic deposits to total assets | 95.0700% | 210 |
| Equity capital to assets | 4.8423% | 4,322 |
| Core capital (leverage) ratio | 11.4284% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $332,964,750 | 2,307 |
| Average earning assets | $326,261,750 | 2,221 |
| Average equity | $24,427,250 | 2,657 |
| Average total loans | $112,300,250 | 3,017 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4928% | 4,378 |
| Cost of funding earning assets | 0.0528% | 4,580 |
| Net interest margin | 2.4399% | 4,178 |
| Noninterest income to average assets | 0.2191% | 3,883 |
| Noninterest expense to average assets | 1.7262% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8848% | 2,650 |
| Return on assets (ROA) | 0.8848% | 2,620 |
| Pretax return on assets | 0.8848% | 3,108 |
| Return on Equity (ROE) | 10.8717% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.6576% | 2,110 |
| Net charge-offs to loans | -0.0126% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1117% | 2,489 |
| Assets per employee ($millions) | 7.6318% | 1,529 |
| Cash dividends to net income (ytd only)* | 38.7618% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,236 |
| Loan loss allowance to noncurrent loans | 779.1444% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,409 |
| Noncurrent loans to loans | 0.1656% | 2,866 |
| Net loans and leases to total assets | 33.9691% | 4,338 |
| Net loans and leases to deposits | 36.2742% | 4,380 |
| Net loans and leases to core deposits | 37.1423% | 4,402 |
| Total domestic deposits to total assets | 93.6453% | 363 |
| Equity capital to assets | 6.2910% | 4,101 |
| Core capital (leverage) ratio | 11.1266% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,891,667 | 2,302 |
| Average earning assets | $329,273,333 | 2,234 |
| Average equity | $27,337,000 | 2,565 |
| Average total loans | $110,702,667 | 3,055 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3395% | 4,428 |
| Cost of funding earning assets | 0.0528% | 4,579 |
| Net interest margin | 2.2867% | 4,254 |
| Noninterest income to average assets | 0.1978% | 3,977 |
| Noninterest expense to average assets | 1.6742% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7676% | 2,785 |
| Return on assets (ROA) | 0.7676% | 2,774 |
| Pretax return on assets | 0.7676% | 3,204 |
| Return on Equity (ROE) | 8.4998% | 2,513 |
| Retained earnings to average equity (ytd only) | 4.7453% | 2,685 |
| Net charge-offs to loans | -0.0110% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5632% | 2,436 |
| Assets per employee ($millions) | 8.2481% | 1,232 |
| Cash dividends to net income (ytd only)* | 44.1718% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,259 |
| Loan loss allowance to noncurrent loans | 9,686.6667% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,048 |
| Noncurrent loans to loans | 0.0136% | 3,913 |
| Net loans and leases to total assets | 31.3512% | 4,404 |
| Net loans and leases to deposits | 33.9157% | 4,446 |
| Net loans and leases to core deposits | 34.7568% | 4,465 |
| Total domestic deposits to total assets | 92.4387% | 423 |
| Equity capital to assets | 7.5123% | 3,926 |
| Core capital (leverage) ratio | 10.5223% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,753,000 | 2,300 |
| Average earning assets | $333,399,000 | 2,215 |
| Average equity | $30,683,000 | 2,448 |
| Average total loans | $109,587,500 | 3,069 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6695% | 4,343 |
| Cost of funding earning assets | 0.0780% | 4,544 |
| Net interest margin | 2.5914% | 4,060 |
| Noninterest income to average assets | 0.2165% | 4,067 |
| Noninterest expense to average assets | 1.8528% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9047% | 3,023 |
| Return on assets (ROA) | 0.9047% | 3,090 |
| Pretax return on assets | 0.9047% | 3,508 |
| Return on Equity (ROE) | 7.7332% | 3,307 |
| Retained earnings to average equity (ytd only) | 2.9374% | 3,655 |
| Net charge-offs to loans | -0.0094% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1908% | 2,095 |
| Assets per employee ($millions) | 7.2410% | 1,768 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 2,240 |
| Loan loss allowance to noncurrent loans | 9,666.6667% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,129 |
| Noncurrent loans to loans | 0.0137% | 3,992 |
| Net loans and leases to total assets | 32.3235% | 4,434 |
| Net loans and leases to deposits | 36.1767% | 4,472 |
| Net loans and leases to core deposits | 37.2139% | 4,489 |
| Total domestic deposits to total assets | 89.3490% | 1,327 |
| Equity capital to assets | 10.6105% | 2,082 |
| Core capital (leverage) ratio | 10.6576% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,695,600 | 2,373 |
| Average earning assets | $307,590,000 | 2,291 |
| Average equity | $36,698,800 | 2,218 |
| Average total loans | $106,571,600 | 3,119 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7290% | 4,379 |
| Cost of funding earning assets | 0.0841% | 4,617 |
| Net interest margin | 2.6449% | 4,065 |
| Noninterest income to average assets | 0.2137% | 4,121 |
| Noninterest expense to average assets | 1.7898% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0167% | 2,846 |
| Return on assets (ROA) | 1.0167% | 2,909 |
| Pretax return on assets | 1.0167% | 3,403 |
| Return on Equity (ROE) | 8.4776% | 3,264 |
| Retained earnings to average equity (ytd only) | 4.1578% | 3,527 |
| Net charge-offs to loans | -0.0076% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7748% | 2,423 |
| Assets per employee ($millions) | 7.1236% | 1,789 |
| Cash dividends to net income (ytd only)* | 50.9554% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,345 |
| Loan loss allowance to noncurrent loans | 9,640.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,226 |
| Noncurrent loans to loans | 0.0138% | 4,105 |
| Net loans and leases to total assets | 32.7598% | 4,516 |
| Net loans and leases to deposits | 36.9663% | 4,547 |
| Net loans and leases to core deposits | 37.9888% | 4,570 |
| Total domestic deposits to total assets | 88.6208% | 1,504 |
| Equity capital to assets | 11.2941% | 1,817 |
| Core capital (leverage) ratio | 10.9137% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,848,000 | 2,423 |
| Average earning assets | $302,766,000 | 2,345 |
| Average equity | $37,038,000 | 2,228 |
| Average total loans | $105,935,750 | 3,166 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 4,380 |
| Cost of funding earning assets | 0.0938% | 4,613 |
| Net interest margin | 2.6801% | 4,020 |
| Noninterest income to average assets | 0.2155% | 4,117 |
| Noninterest expense to average assets | 1.8171% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0232% | 2,811 |
| Return on assets (ROA) | 1.0232% | 2,892 |
| Pretax return on assets | 1.0232% | 3,391 |
| Return on Equity (ROE) | 8.3568% | 3,297 |
| Retained earnings to average equity (ytd only) | 4.0380% | 3,501 |
| Net charge-offs to loans | -0.0076% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9749% | 2,432 |
| Assets per employee ($millions) | 7.3497% | 1,562 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,429 |
| Loan loss allowance to noncurrent loans | 9,025.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,286 |
| Noncurrent loans to loans | 0.0144% | 4,165 |
| Net loans and leases to total assets | 34.6429% | 4,516 |
| Net loans and leases to deposits | 39.2413% | 4,541 |
| Net loans and leases to core deposits | 40.4182% | 4,571 |
| Total domestic deposits to total assets | 88.2817% | 1,680 |
| Equity capital to assets | 11.6560% | 1,546 |
| Core capital (leverage) ratio | 11.1492% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,569,000 | 2,447 |
| Average earning assets | $296,335,667 | 2,372 |
| Average equity | $37,047,667 | 2,211 |
| Average total loans | $104,982,667 | 3,193 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8372% | 4,331 |
| Cost of funding earning assets | 0.1119% | 4,573 |
| Net interest margin | 2.7253% | 3,912 |
| Noninterest income to average assets | 0.2217% | 4,052 |
| Noninterest expense to average assets | 1.8767% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0127% | 2,776 |
| Return on assets (ROA) | 1.0127% | 2,856 |
| Pretax return on assets | 1.0127% | 3,337 |
| Return on Equity (ROE) | 8.0640% | 3,301 |
| Retained earnings to average equity (ytd only) | 3.7574% | 3,574 |
| Net charge-offs to loans | -0.0039% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9509% | 2,359 |
| Assets per employee ($millions) | 6.9493% | 1,831 |
| Cash dividends to net income (ytd only)* | 53.4045% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,047 |
| Loan loss allowance to noncurrent loans | 9,006.2500% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,363 |
| Noncurrent loans to loans | 0.0153% | 4,224 |
| Net loans and leases to total assets | 33.6674% | 4,587 |
| Net loans and leases to deposits | 38.2190% | 4,617 |
| Net loans and leases to core deposits | 39.1790% | 4,643 |
| Total domestic deposits to total assets | 88.0906% | 1,801 |
| Equity capital to assets | 11.8485% | 1,361 |
| Core capital (leverage) ratio | 11.7909% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,835,500 | 2,461 |
| Average earning assets | $289,580,500 | 2,385 |
| Average equity | $37,153,000 | 2,196 |
| Average total loans | $102,010,000 | 3,228 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1877% | 4,465 |
| Cost of funding earning assets | 0.2061% | 4,561 |
| Net interest margin | 2.9816% | 3,930 |
| Noninterest income to average assets | 0.2472% | 4,007 |
| Noninterest expense to average assets | 2.0392% | 4,064 |
| Loan and lease loss provision to assets | 0.1670% | 2,295 |
| Net operating income to assets | 0.9461% | 2,500 |
| Return on assets (ROA) | 0.9509% | 2,624 |
| Pretax return on assets | 0.9509% | 3,218 |
| Return on Equity (ROE) | 6.9232% | 3,233 |
| Retained earnings to average equity (ytd only) | 1.7348% | 3,928 |
| Net charge-offs to loans | -0.0376% | 4,606 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6886% | 2,723 |
| Assets per employee ($millions) | 6.2153% | 2,156 |
| Cash dividends to net income (ytd only)* | 74.9415% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,791 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,416 |
| Noncurrent loans to loans | 0.0181% | 4,275 |
| Net loans and leases to total assets | 34.3456% | 4,635 |
| Net loans and leases to deposits | 39.6430% | 4,665 |
| Net loans and leases to core deposits | 40.9545% | 4,677 |
| Total domestic deposits to total assets | 86.6371% | 2,099 |
| Equity capital to assets | 13.3182% | 992 |
| Core capital (leverage) ratio | 12.0237% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,424,200 | 2,466 |
| Average earning assets | $262,506,400 | 2,385 |
| Average equity | $37,006,200 | 2,129 |
| Average total loans | $95,869,600 | 3,301 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 4,444 |
| Cost of funding earning assets | 0.2277% | 4,582 |
| Net interest margin | 3.0953% | 3,754 |
| Noninterest income to average assets | 0.2588% | 3,928 |
| Noninterest expense to average assets | 1.9580% | 4,238 |
| Loan and lease loss provision to assets | 0.2262% | 1,794 |
| Net operating income to assets | 1.0880% | 2,022 |
| Return on assets (ROA) | 1.0946% | 2,127 |
| Pretax return on assets | 1.0946% | 2,768 |
| Return on Equity (ROE) | 7.9043% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.5493% | 3,285 |
| Net charge-offs to loans | -0.0435% | 4,636 |
| Credit loss provision to net charge-offs | -1,451.6129% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8372% | 3,411 |
| Assets per employee ($millions) | 6.4494% | 1,875 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,817 |
| Loan loss allowance to noncurrent loans | 7,972.2222% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,487 |
| Noncurrent loans to loans | 0.0173% | 4,357 |
| Net loans and leases to total assets | 36.1168% | 4,678 |
| Net loans and leases to deposits | 41.8718% | 4,700 |
| Net loans and leases to core deposits | 43.2221% | 4,724 |
| Total domestic deposits to total assets | 86.2556% | 1,956 |
| Equity capital to assets | 13.6616% | 952 |
| Core capital (leverage) ratio | 12.2647% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,304,500 | 2,469 |
| Average earning assets | $258,280,000 | 2,387 |
| Average equity | $36,738,500 | 2,127 |
| Average total loans | $94,928,250 | 3,328 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 4,385 |
| Cost of funding earning assets | 0.2557% | 4,605 |
| Net interest margin | 3.2665% | 3,472 |
| Noninterest income to average assets | 0.2315% | 4,097 |
| Noninterest expense to average assets | 1.9765% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4301% | 1,052 |
| Return on assets (ROA) | 1.4301% | 1,139 |
| Pretax return on assets | 1.4301% | 1,641 |
| Return on Equity (ROE) | 10.2767% | 1,895 |
| Retained earnings to average equity (ytd only) | 5.8399% | 2,143 |
| Net charge-offs to loans | -0.0957% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0199% | 3,682 |
| Assets per employee ($millions) | 6.3323% | 1,925 |
| Cash dividends to net income (ytd only)* | 43.1732% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,712 |
| Loan loss allowance to noncurrent loans | 5,544.4444% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,362 |
| Noncurrent loans to loans | 0.0175% | 4,434 |
| Net loans and leases to total assets | 35.7867% | 4,731 |
| Net loans and leases to deposits | 41.4411% | 4,759 |
| Net loans and leases to core deposits | 42.7475% | 4,782 |
| Total domestic deposits to total assets | 86.3556% | 1,862 |
| Equity capital to assets | 13.5665% | 965 |
| Core capital (leverage) ratio | 12.8743% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,148,000 | 2,481 |
| Average earning assets | $251,889,000 | 2,406 |
| Average equity | $36,062,000 | 2,156 |
| Average total loans | $91,929,333 | 3,373 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 4,709 |
| Cost of funding earning assets | 0.2770% | 4,715 |
| Net interest margin | 3.1522% | 3,974 |
| Noninterest income to average assets | 0.2696% | 3,921 |
| Noninterest expense to average assets | 2.0451% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2751% | 1,311 |
| Return on assets (ROA) | 1.2751% | 1,411 |
| Pretax return on assets | 1.2751% | 1,947 |
| Return on Equity (ROE) | 9.0323% | 2,100 |
| Retained earnings to average equity (ytd only) | 4.4299% | 2,522 |
| Net charge-offs to loans | -0.1991% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5949% | 3,541 |
| Assets per employee ($millions) | 5.4359% | 2,188 |
| Cash dividends to net income (ytd only)* | 50.9554% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,955 |
| Loan loss allowance to noncurrent loans | 4,985.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,390 |
| Noncurrent loans to loans | 0.0230% | 4,478 |
| Net loans and leases to total assets | 35.1532% | 4,809 |
| Net loans and leases to deposits | 41.0185% | 4,819 |
| Net loans and leases to core deposits | 42.4913% | 4,833 |
| Total domestic deposits to total assets | 85.7008% | 2,127 |
| Equity capital to assets | 14.2203% | 995 |
| Core capital (leverage) ratio | 13.9740% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,246,000 | 2,517 |
| Average earning assets | $238,306,000 | 2,455 |
| Average equity | $34,764,000 | 2,213 |
| Average total loans | $86,407,500 | 3,475 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,853 |
| Cost of funding earning assets | 0.2807% | 4,773 |
| Net interest margin | 3.2277% | 4,133 |
| Noninterest income to average assets | 0.2592% | 4,124 |
| Noninterest expense to average assets | 2.2012% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1913% | 2,091 |
| Return on assets (ROA) | 1.1913% | 2,186 |
| Pretax return on assets | 1.1913% | 2,870 |
| Return on Equity (ROE) | 9.0219% | 2,746 |
| Retained earnings to average equity (ytd only) | 2.6714% | 3,703 |
| Net charge-offs to loans | 0.0427% | 2,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 79.8649% | 793 |
| Efficiency ratio | 64.8841% | 2,950 |
| Assets per employee ($millions) | 5.3886% | 2,163 |
| Cash dividends to net income (ytd only)* | 70.3892% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 2,883 |
| Loan loss allowance to noncurrent loans | 781.9672% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,222 |
| Noncurrent loans to loans | 0.1421% | 3,962 |
| Net loans and leases to total assets | 34.2404% | 4,894 |
| Net loans and leases to deposits | 39.8539% | 4,908 |
| Net loans and leases to core deposits | 41.2572% | 4,923 |
| Total domestic deposits to total assets | 85.9148% | 2,100 |
| Equity capital to assets | 14.0162% | 1,088 |
| Core capital (leverage) ratio | 13.6258% | 1,019 |
| Tier 1 risk-based capital ratio | 28.8934% | 519 |
| Total risk-based capital ratio | 29.7217% | 526 |
| Memoranda: | ||
| Average total assets | $248,042,600 | 2,479 |
| Average earning assets | $240,792,800 | 2,406 |
| Average equity | $32,753,800 | 2,258 |
| Average total loans | $86,704,400 | 3,473 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5025% | 4,960 |
| Cost of funding earning assets | 0.2812% | 4,842 |
| Net interest margin | 3.2212% | 4,250 |
| Noninterest income to average assets | 0.2596% | 4,192 |
| Noninterest expense to average assets | 2.1062% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2866% | 1,903 |
| Return on assets (ROA) | 1.2866% | 1,987 |
| Pretax return on assets | 1.2866% | 2,711 |
| Return on Equity (ROE) | 9.8954% | 2,476 |
| Retained earnings to average equity (ytd only) | 3.9433% | 3,428 |
| Net charge-offs to loans | -0.0015% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0783% | 3,315 |
| Assets per employee ($millions) | 5.3514% | 2,172 |
| Cash dividends to net income (ytd only)* | 60.1503% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 2,904 |
| Loan loss allowance to noncurrent loans | 684.1379% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,247 |
| Noncurrent loans to loans | 0.1644% | 3,955 |
| Net loans and leases to total assets | 35.4266% | 4,957 |
| Net loans and leases to deposits | 41.6283% | 4,962 |
| Net loans and leases to core deposits | 43.1691% | 4,979 |
| Total domestic deposits to total assets | 85.1023% | 2,389 |
| Equity capital to assets | 14.0625% | 1,127 |
| Core capital (leverage) ratio | 13.5466% | 1,116 |
| Tier 1 risk-based capital ratio | 28.3388% | 549 |
| Total risk-based capital ratio | 29.1815% | 562 |
| Memoranda: | ||
| Average total assets | $248,084,000 | 2,493 |
| Average earning assets | $241,308,500 | 2,413 |
| Average equity | $32,256,500 | 2,299 |
| Average total loans | $86,923,500 | 3,511 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 5,028 |
| Cost of funding earning assets | 0.2670% | 4,909 |
| Net interest margin | 3.2069% | 4,358 |
| Noninterest income to average assets | 0.2461% | 4,280 |
| Noninterest expense to average assets | 2.0521% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3139% | 1,723 |
| Return on assets (ROA) | 1.3139% | 1,784 |
| Pretax return on assets | 1.3139% | 2,506 |
| Return on Equity (ROE) | 10.3846% | 2,220 |
| Retained earnings to average equity (ytd only) | 4.2835% | 3,110 |
| Net charge-offs to loans | -0.0046% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9651% | 3,583 |
| Assets per employee ($millions) | 5.3645% | 2,092 |
| Cash dividends to net income (ytd only)* | 58.7515% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,868 |
| Loan loss allowance to noncurrent loans | 420.7627% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,298 |
| Noncurrent loans to loans | 0.2699% | 3,565 |
| Net loans and leases to total assets | 34.2815% | 5,024 |
| Net loans and leases to deposits | 40.2050% | 5,048 |
| Net loans and leases to core deposits | 41.4136% | 5,057 |
| Total domestic deposits to total assets | 85.2667% | 2,355 |
| Equity capital to assets | 13.3399% | 1,413 |
| Core capital (leverage) ratio | 13.2203% | 1,206 |
| Tier 1 risk-based capital ratio | 28.0304% | 565 |
| Total risk-based capital ratio | 28.8719% | 568 |
| Memoranda: | ||
| Average total assets | $248,723,670 | 2,499 |
| Average earning assets | $241,982,000 | 2,416 |
| Average equity | $31,469,670 | 2,336 |
| Average total loans | $86,498,000 | 3,542 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 5,088 |
| Cost of funding earning assets | 0.2630% | 4,945 |
| Net interest margin | 3.1789% | 4,432 |
| Noninterest income to average assets | 0.2494% | 4,230 |
| Noninterest expense to average assets | 1.9836% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3586% | 1,493 |
| Return on assets (ROA) | 1.3586% | 1,536 |
| Pretax return on assets | 1.3586% | 2,238 |
| Return on Equity (ROE) | 11.0440% | 1,931 |
| Retained earnings to average equity (ytd only) | 4.7256% | 3,031 |
| Net charge-offs to loans | -0.0232% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3508% | 3,897 |
| Assets per employee ($millions) | 5.3867% | 2,078 |
| Cash dividends to net income (ytd only)* | 57.2110% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,862 |
| Loan loss allowance to noncurrent loans | 930.8411% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,624 |
| Noncurrent loans to loans | 0.1234% | 4,188 |
| Net loans and leases to total assets | 34.5887% | 5,055 |
| Net loans and leases to deposits | 39.6864% | 5,083 |
| Net loans and leases to core deposits | 40.7747% | 5,100 |
| Total domestic deposits to total assets | 87.1550% | 1,737 |
| Equity capital to assets | 12.7610% | 1,594 |
| Core capital (leverage) ratio | 13.2522% | 1,166 |
| Tier 1 risk-based capital ratio | 28.1394% | 550 |
| Total risk-based capital ratio | 28.9948% | 564 |
| Memoranda: | ||
| Average total assets | $247,020,500 | 2,537 |
| Average earning assets | $240,333,500 | 2,450 |
| Average equity | $30,387,500 | 2,392 |
| Average total loans | $86,033,500 | 3,578 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 5,051 |
| Cost of funding earning assets | 0.1894% | 5,043 |
| Net interest margin | 3.1547% | 4,567 |
| Noninterest income to average assets | 0.2783% | 4,238 |
| Noninterest expense to average assets | 2.1010% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2478% | 1,984 |
| Return on assets (ROA) | 1.2381% | 2,010 |
| Pretax return on assets | 1.2381% | 2,748 |
| Return on Equity (ROE) | 10.5583% | 2,263 |
| Retained earnings to average equity (ytd only) | 3.3413% | 3,742 |
| Net charge-offs to loans | 0.0200% | 3,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 191.6875% | 468 |
| Efficiency ratio | 62.7384% | 3,397 |
| Assets per employee ($millions) | 5.4723% | 1,983 |
| Cash dividends to net income (ytd only)* | 68.3536% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,766 |
| Loan loss allowance to noncurrent loans | 1,152.3256% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,672 |
| Noncurrent loans to loans | 0.1007% | 4,279 |
| Net loans and leases to total assets | 34.2629% | 5,113 |
| Net loans and leases to deposits | 38.8853% | 5,138 |
| Net loans and leases to core deposits | 39.8969% | 5,162 |
| Total domestic deposits to total assets | 88.1127% | 1,249 |
| Equity capital to assets | 11.8394% | 2,004 |
| Core capital (leverage) ratio | 12.9662% | 1,266 |
| Tier 1 risk-based capital ratio | 27.7492% | 579 |
| Total risk-based capital ratio | 28.5979% | 588 |
| Memoranda: | ||
| Average total assets | $245,788,000 | 2,498 |
| Average earning assets | $239,234,000 | 2,418 |
| Average equity | $28,821,000 | 2,407 |
| Average total loans | $80,193,000 | 3,664 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 5,120 |
| Cost of funding earning assets | 0.1811% | 5,089 |
| Net interest margin | 3.1255% | 4,662 |
| Noninterest income to average assets | 0.2762% | 4,306 |
| Noninterest expense to average assets | 1.9440% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3769% | 1,569 |
| Return on assets (ROA) | 1.3638% | 1,611 |
| Pretax return on assets | 1.3638% | 2,364 |
| Return on Equity (ROE) | 11.6593% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.3494% | 3,027 |
| Net charge-offs to loans | -0.0152% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5390% | 4,033 |
| Assets per employee ($millions) | 5.4639% | 1,945 |
| Cash dividends to net income (ytd only)* | 54.1187% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,378 |
| Loan loss allowance to noncurrent loans | 812.8000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,713 |
| Noncurrent loans to loans | 0.1534% | 4,192 |
| Net loans and leases to total assets | 32.7263% | 5,227 |
| Net loans and leases to deposits | 36.9964% | 5,254 |
| Net loans and leases to core deposits | 37.8213% | 5,272 |
| Total domestic deposits to total assets | 88.4580% | 1,064 |
| Equity capital to assets | 11.4415% | 2,307 |
| Core capital (leverage) ratio | 13.0578% | 1,255 |
| Tier 1 risk-based capital ratio | 29.6815% | 494 |
| Total risk-based capital ratio | 30.6067% | 496 |
| Memoranda: | ||
| Average total assets | $245,671,250 | 2,514 |
| Average earning assets | $239,314,750 | 2,427 |
| Average equity | $28,737,500 | 2,416 |
| Average total loans | $78,900,000 | 3,715 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2547% | 5,181 |
| Cost of funding earning assets | 0.1756% | 5,125 |
| Net interest margin | 3.0792% | 4,769 |
| Noninterest income to average assets | 0.2769% | 4,334 |
| Noninterest expense to average assets | 1.9430% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3330% | 1,652 |
| Return on assets (ROA) | 1.3208% | 1,697 |
| Pretax return on assets | 1.3208% | 2,430 |
| Return on Equity (ROE) | 11.2097% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.6809% | 2,735 |
| Net charge-offs to loans | -0.0205% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3090% | 4,040 |
| Assets per employee ($millions) | 5.3366% | 2,060 |
| Cash dividends to net income (ytd only)* | 49.3218% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 32.7618% | 5,273 |
| Net loans and leases to deposits | 37.3282% | 5,295 |
| Net loans and leases to core deposits | 38.0766% | 5,323 |
| Total domestic deposits to total assets | 87.7670% | 1,493 |
| Equity capital to assets | 11.5894% | 2,131 |
| Core capital (leverage) ratio | 12.9751% | 1,226 |
| Tier 1 risk-based capital ratio | 29.0575% | 515 |
| Total risk-based capital ratio | 29.9716% | 525 |
| Memoranda: | ||
| Average total assets | $245,603,000 | 2,528 |
| Average earning assets | $239,219,670 | 2,435 |
| Average equity | $28,939,330 | 2,418 |
| Average total loans | $78,039,330 | 3,752 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1862% | 5,244 |
| Cost of funding earning assets | 0.1832% | 5,108 |
| Net interest margin | 3.0030% | 4,878 |
| Noninterest income to average assets | 0.2703% | 4,362 |
| Noninterest expense to average assets | 1.9197% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2863% | 1,690 |
| Return on assets (ROA) | 1.2619% | 1,778 |
| Pretax return on assets | 1.2619% | 2,504 |
| Return on Equity (ROE) | 10.6223% | 2,120 |
| Retained earnings to average equity (ytd only) | 5.1398% | 3,107 |
| Net charge-offs to loans | 0.0367% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 112.8571% | 558 |
| Efficiency ratio | 59.8781% | 4,085 |
| Assets per employee ($millions) | 5.9886% | 1,524 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 31.2877% | 5,338 |
| Net loans and leases to deposits | 35.4191% | 5,369 |
| Net loans and leases to core deposits | 36.8453% | 5,379 |
| Total domestic deposits to total assets | 88.3356% | 1,440 |
| Equity capital to assets | 11.5898% | 2,065 |
| Core capital (leverage) ratio | 12.8473% | 1,234 |
| Tier 1 risk-based capital ratio | 29.8782% | 479 |
| Total risk-based capital ratio | 30.8173% | 482 |
| Memoranda: | ||
| Average total assets | $245,662,500 | 2,551 |
| Average earning assets | $240,161,000 | 2,447 |
| Average equity | $29,184,000 | 2,426 |
| Average total loans | $76,339,000 | 3,827 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1480% | 5,241 |
| Cost of funding earning assets | 0.2016% | 4,943 |
| Net interest margin | 2.9464% | 4,979 |
| Noninterest income to average assets | 0.2874% | 4,410 |
| Noninterest expense to average assets | 1.9515% | 5,043 |
| Loan and lease loss provision to assets | -0.0838% | 5,456 |
| Net operating income to assets | 1.2925% | 1,244 |
| Return on assets (ROA) | 1.2792% | 1,298 |
| Pretax return on assets | 1.2792% | 2,434 |
| Return on Equity (ROE) | 10.8574% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.4765% | 2,462 |
| Net charge-offs to loans | -0.2356% | 5,540 |
| Credit loss provision to net charge-offs | 127.3810% | 2,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7520% | 3,978 |
| Assets per employee ($millions) | 5.4620% | 1,977 |
| Cash dividends to net income (ytd only)* | 58.7695% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 1,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 30.0454% | 5,435 |
| Net loans and leases to deposits | 34.2285% | 5,457 |
| Net loans and leases to core deposits | 35.8030% | 5,462 |
| Total domestic deposits to total assets | 87.7790% | 1,613 |
| Equity capital to assets | 12.1693% | 1,724 |
| Core capital (leverage) ratio | 12.4911% | 1,364 |
| Tier 1 risk-based capital ratio | 29.0583% | 495 |
| Total risk-based capital ratio | 29.9890% | 505 |
| Memoranda: | ||
| Average total assets | $255,394,800 | 2,452 |
| Average earning assets | $249,014,400 | 2,353 |
| Average equity | $30,090,200 | 2,351 |
| Average total loans | $71,316,600 | 3,932 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 5,393 |
| Cost of funding earning assets | 0.2012% | 4,967 |
| Net interest margin | 2.8225% | 5,192 |
| Noninterest income to average assets | 0.2736% | 4,547 |
| Noninterest expense to average assets | 1.8107% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2128% | 1,639 |
| Return on assets (ROA) | 1.2082% | 1,692 |
| Pretax return on assets | 1.2082% | 2,870 |
| Return on Equity (ROE) | 10.3355% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.6722% | 3,097 |
| Net charge-offs to loans | 0.0852% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 52.1098% | 1,089 |
| Efficiency ratio | 59.8871% | 4,240 |
| Assets per employee ($millions) | 5.5064% | 1,917 |
| Cash dividends to net income (ytd only)* | 54.7944% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,796 |
| Loan loss allowance to noncurrent loans | 1,309.0909% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,841 |
| Noncurrent loans to loans | 0.1088% | 4,623 |
| Net loans and leases to total assets | 27.5499% | 5,542 |
| Net loans and leases to deposits | 31.5574% | 5,567 |
| Net loans and leases to core deposits | 32.9705% | 5,564 |
| Total domestic deposits to total assets | 87.3009% | 1,729 |
| Equity capital to assets | 12.3821% | 1,728 |
| Core capital (leverage) ratio | 12.1623% | 1,592 |
| Tier 1 risk-based capital ratio | 29.0379% | 516 |
| Total risk-based capital ratio | 29.9775% | 525 |
| Memoranda: | ||
| Average total assets | $257,795,750 | 2,450 |
| Average earning assets | $251,170,000 | 2,361 |
| Average equity | $30,135,000 | 2,367 |
| Average total loans | $70,431,750 | 3,982 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9774% | 5,453 |
| Cost of funding earning assets | 0.2035% | 4,941 |
| Net interest margin | 2.7740% | 5,284 |
| Noninterest income to average assets | 0.2800% | 4,552 |
| Noninterest expense to average assets | 1.8033% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1793% | 1,671 |
| Return on assets (ROA) | 1.1755% | 1,723 |
| Pretax return on assets | 1.1755% | 2,872 |
| Return on Equity (ROE) | 10.2538% | 1,934 |
| Retained earnings to average equity (ytd only) | 4.8712% | 2,796 |
| Net charge-offs to loans | 0.0939% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 1,137 |
| Efficiency ratio | 60.4603% | 4,250 |
| Assets per employee ($millions) | 5.7044% | 1,697 |
| Cash dividends to net income (ytd only)* | 52.4934% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 5,039 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.7420% | 5,591 |
| Net loans and leases to deposits | 31.0080% | 5,618 |
| Net loans and leases to core deposits | 32.3015% | 5,621 |
| Total domestic deposits to total assets | 86.2422% | 2,276 |
| Equity capital to assets | 11.9522% | 1,964 |
| Core capital (leverage) ratio | 11.8117% | 1,756 |
| Tier 1 risk-based capital ratio | 28.3991% | 529 |
| Total risk-based capital ratio | 29.3390% | 534 |
| Memoranda: | ||
| Average total assets | $259,296,670 | 2,444 |
| Average earning assets | $252,634,670 | 2,364 |
| Average equity | $29,725,670 | 2,389 |
| Average total loans | $70,312,330 | 4,005 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9678% | 5,491 |
| Cost of funding earning assets | 0.2038% | 4,944 |
| Net interest margin | 2.7640% | 5,314 |
| Noninterest income to average assets | 0.2856% | 4,506 |
| Noninterest expense to average assets | 1.8002% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1795% | 1,560 |
| Return on assets (ROA) | 1.1717% | 1,623 |
| Pretax return on assets | 1.1717% | 2,703 |
| Return on Equity (ROE) | 10.4473% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.9123% | 2,939 |
| Net charge-offs to loans | -0.0572% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 4,408 |
| Assets per employee ($millions) | 5.6605% | 1,755 |
| Cash dividends to net income (ytd only)* | 52.9801% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,511 |
| Loan loss allowance to noncurrent loans | 2,530.9524% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,021 |
| Noncurrent loans to loans | 0.0612% | 4,956 |
| Net loans and leases to total assets | 25.9347% | 5,669 |
| Net loans and leases to deposits | 29.3421% | 5,686 |
| Net loans and leases to core deposits | 30.5801% | 5,684 |
| Total domestic deposits to total assets | 88.3872% | 1,492 |
| Equity capital to assets | 11.3444% | 2,312 |
| Core capital (leverage) ratio | 11.8979% | 1,692 |
| Tier 1 risk-based capital ratio | 28.5501% | 529 |
| Total risk-based capital ratio | 29.5468% | 526 |
| Memoranda: | ||
| Average total assets | $257,743,000 | 2,476 |
| Average earning assets | $251,229,500 | 2,389 |
| Average equity | $28,907,000 | 2,449 |
| Average total loans | $69,872,500 | 4,056 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1142% | 5,388 |
| Cost of funding earning assets | 0.2035% | 4,982 |
| Net interest margin | 2.9107% | 5,120 |
| Noninterest income to average assets | 0.2756% | 4,770 |
| Noninterest expense to average assets | 1.9505% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1598% | 1,648 |
| Return on assets (ROA) | 1.1617% | 1,737 |
| Pretax return on assets | 1.1617% | 2,848 |
| Return on Equity (ROE) | 9.3919% | 2,234 |
| Retained earnings to average equity (ytd only) | 3.8301% | 3,193 |
| Net charge-offs to loans | -0.0552% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7121% | 4,149 |
| Assets per employee ($millions) | 5.6689% | 1,724 |
| Cash dividends to net income (ytd only)* | 59.2194% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,146 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 27.4789% | 5,694 |
| Net loans and leases to deposits | 30.9916% | 5,725 |
| Net loans and leases to core deposits | 32.0085% | 5,731 |
| Total domestic deposits to total assets | 88.6657% | 1,289 |
| Equity capital to assets | 11.0838% | 2,559 |
| Core capital (leverage) ratio | 11.6997% | 1,790 |
| Tier 1 risk-based capital ratio | 27.9421% | 570 |
| Total risk-based capital ratio | 28.9197% | 570 |
| Memoranda: | ||
| Average total assets | $255,829,000 | 2,462 |
| Average earning assets | $249,152,600 | 2,364 |
| Average equity | $31,644,200 | 2,244 |
| Average total loans | $67,056,600 | 4,114 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 5,437 |
| Cost of funding earning assets | 0.2011% | 5,054 |
| Net interest margin | 2.9342% | 5,122 |
| Noninterest income to average assets | 0.2729% | 4,821 |
| Noninterest expense to average assets | 1.8009% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3286% | 1,215 |
| Return on assets (ROA) | 1.3312% | 1,296 |
| Pretax return on assets | 1.3312% | 2,304 |
| Return on Equity (ROE) | 10.4902% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.2369% | 2,675 |
| Net charge-offs to loans | -0.1393% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5470% | 4,884 |
| Assets per employee ($millions) | 6.0275% | 1,417 |
| Cash dividends to net income (ytd only)* | 50.0782% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,376 |
| Loan loss allowance to noncurrent loans | 4,931.8182% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,177 |
| Noncurrent loans to loans | 0.0331% | 5,247 |
| Net loans and leases to total assets | 25.2302% | 5,808 |
| Net loans and leases to deposits | 29.0776% | 5,823 |
| Net loans and leases to core deposits | 30.1685% | 5,822 |
| Total domestic deposits to total assets | 86.7687% | 1,997 |
| Equity capital to assets | 12.9948% | 1,493 |
| Core capital (leverage) ratio | 11.9593% | 1,702 |
| Tier 1 risk-based capital ratio | 29.2377% | 514 |
| Total risk-based capital ratio | 30.2896% | 516 |
| Memoranda: | ||
| Average total assets | $256,011,000 | 2,467 |
| Average earning assets | $249,234,500 | 2,380 |
| Average equity | $32,486,500 | 2,215 |
| Average total loans | $66,032,750 | 4,165 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1978% | 5,433 |
| Cost of funding earning assets | 0.1999% | 5,147 |
| Net interest margin | 2.9980% | 5,089 |
| Noninterest income to average assets | 0.2761% | 4,807 |
| Noninterest expense to average assets | 1.8082% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3861% | 1,087 |
| Return on assets (ROA) | 1.3861% | 1,149 |
| Pretax return on assets | 1.3861% | 2,081 |
| Return on Equity (ROE) | 11.0132% | 1,637 |
| Retained earnings to average equity (ytd only) | 6.0270% | 2,103 |
| Net charge-offs to loans | -0.2246% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6061% | 5,067 |
| Assets per employee ($millions) | 5.8307% | 1,522 |
| Cash dividends to net income (ytd only)* | 45.2745% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 5,324 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 25.2537% | 5,879 |
| Net loans and leases to deposits | 29.3489% | 5,889 |
| Net loans and leases to core deposits | 30.4705% | 5,887 |
| Total domestic deposits to total assets | 86.0463% | 2,402 |
| Equity capital to assets | 13.2107% | 1,383 |
| Core capital (leverage) ratio | 11.7551% | 1,809 |
| Tier 1 risk-based capital ratio | 29.8235% | 505 |
| Total risk-based capital ratio | 30.9125% | 502 |
| Memoranda: | ||
| Average total assets | $254,954,330 | 2,486 |
| Average earning assets | $248,168,330 | 2,398 |
| Average equity | $32,088,670 | 2,241 |
| Average total loans | $65,884,670 | 4,195 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2182% | 5,462 |
| Cost of funding earning assets | 0.1957% | 5,242 |
| Net interest margin | 3.0225% | 5,066 |
| Noninterest income to average assets | 0.2849% | 4,684 |
| Noninterest expense to average assets | 1.7580% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4684% | 908 |
| Return on assets (ROA) | 1.4684% | 951 |
| Pretax return on assets | 1.4684% | 1,691 |
| Return on Equity (ROE) | 11.9665% | 1,322 |
| Retained earnings to average equity (ytd only) | 6.8362% | 1,963 |
| Net charge-offs to loans | 0.0121% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 466.5000% | 122 |
| Efficiency ratio | 54.4878% | 5,337 |
| Assets per employee ($millions) | 5.4504% | 1,869 |
| Cash dividends to net income (ytd only)* | 42.8725% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,716 |
| Loan loss allowance to noncurrent loans | 1,078.7234% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 5,201 |
| Noncurrent loans to loans | 0.1455% | 4,893 |
| Net loans and leases to total assets | 24.8190% | 5,938 |
| Net loans and leases to deposits | 28.4448% | 5,947 |
| Net loans and leases to core deposits | 29.4813% | 5,951 |
| Total domestic deposits to total assets | 87.2532% | 2,073 |
| Equity capital to assets | 12.5512% | 1,653 |
| Core capital (leverage) ratio | 11.8044% | 1,743 |
| Tier 1 risk-based capital ratio | 29.4076% | 531 |
| Total risk-based capital ratio | 30.4213% | 533 |
| Memoranda: | ||
| Average total assets | $254,157,000 | 2,509 |
| Average earning assets | $247,346,500 | 2,408 |
| Average equity | $31,187,000 | 2,292 |
| Average total loans | $65,888,000 | 4,222 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2623% | 5,410 |
| Cost of funding earning assets | 0.2435% | 4,849 |
| Net interest margin | 3.0187% | 5,092 |
| Noninterest income to average assets | 0.3161% | 4,631 |
| Noninterest expense to average assets | 1.9077% | 5,608 |
| Loan and lease loss provision to assets | 0.0100% | 4,202 |
| Net operating income to assets | 1.3354% | 1,188 |
| Return on assets (ROA) | 1.3354% | 1,226 |
| Pretax return on assets | 1.3354% | 2,149 |
| Return on Equity (ROE) | 11.1295% | 1,571 |
| Retained earnings to average equity (ytd only) | 5.1848% | 2,291 |
| Net charge-offs to loans | -0.0365% | 5,468 |
| Credit loss provision to net charge-offs | -96.1538% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6420% | 5,074 |
| Assets per employee ($millions) | 5.7306% | 1,595 |
| Cash dividends to net income (ytd only)* | 53.4135% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,946 |
| Loan loss allowance to noncurrent loans | 89.4366% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,596 |
| Noncurrent loans to loans | 1.6909% | 1,340 |
| Net loans and leases to total assets | 26.2418% | 5,972 |
| Net loans and leases to deposits | 29.8766% | 5,991 |
| Net loans and leases to core deposits | 31.0118% | 5,994 |
| Total domestic deposits to total assets | 87.8341% | 1,729 |
| Equity capital to assets | 11.9859% | 1,958 |
| Core capital (leverage) ratio | 11.5562% | 1,918 |
| Tier 1 risk-based capital ratio | 28.7570% | 565 |
| Total risk-based capital ratio | 29.7686% | 566 |
| Memoranda: | ||
| Average total assets | $248,984,600 | 2,512 |
| Average earning assets | $242,256,000 | 2,403 |
| Average equity | $29,875,600 | 2,329 |
| Average total loans | $71,235,400 | 4,064 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 5,597 |
| Cost of funding earning assets | 0.2562% | 4,804 |
| Net interest margin | 2.9346% | 5,339 |
| Noninterest income to average assets | 0.3186% | 4,660 |
| Noninterest expense to average assets | 1.8028% | 5,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3709% | 1,178 |
| Return on assets (ROA) | 1.3709% | 1,229 |
| Pretax return on assets | 1.3709% | 2,133 |
| Return on Equity (ROE) | 11.4223% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,212 |
| Net charge-offs to loans | -0.1070% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8043% | 5,249 |
| Assets per employee ($millions) | 5.8345% | 1,479 |
| Cash dividends to net income (ytd only)* | 47.0220% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 2,385 |
| Loan loss allowance to noncurrent loans | 35.9578% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 1,963 |
| Noncurrent loans to loans | 4.0206% | 320 |
| Net loans and leases to total assets | 27.7967% | 6,034 |
| Net loans and leases to deposits | 31.7565% | 6,054 |
| Net loans and leases to core deposits | 32.9335% | 6,063 |
| Total domestic deposits to total assets | 87.5308% | 1,790 |
| Equity capital to assets | 12.2480% | 1,911 |
| Core capital (leverage) ratio | 11.5263% | 2,014 |
| Tier 1 risk-based capital ratio | 27.9410% | 623 |
| Total risk-based capital ratio | 28.9374% | 622 |
| Memoranda: | ||
| Average total assets | $248,194,000 | 2,541 |
| Average earning assets | $241,481,250 | 2,426 |
| Average equity | $29,789,000 | 2,340 |
| Average total loans | $72,248,250 | 4,075 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2353% | 5,562 |
| Cost of funding earning assets | 0.2786% | 4,628 |
| Net interest margin | 2.9567% | 5,326 |
| Noninterest income to average assets | 0.3267% | 4,610 |
| Noninterest expense to average assets | 1.8059% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3959% | 1,096 |
| Return on assets (ROA) | 1.3959% | 1,132 |
| Pretax return on assets | 1.3959% | 1,996 |
| Return on Equity (ROE) | 11.7112% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.2831% | 2,071 |
| Net charge-offs to loans | -0.1925% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4031% | 5,394 |
| Assets per employee ($millions) | 5.5222% | 1,713 |
| Cash dividends to net income (ytd only)* | 46.3499% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,559 |
| Loan loss allowance to noncurrent loans | 36.2015% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 2,070 |
| Noncurrent loans to loans | 3.9802% | 394 |
| Net loans and leases to total assets | 28.4896% | 6,085 |
| Net loans and leases to deposits | 32.3544% | 6,116 |
| Net loans and leases to core deposits | 33.4260% | 6,116 |
| Total domestic deposits to total assets | 88.0546% | 1,623 |
| Equity capital to assets | 11.7530% | 2,202 |
| Core capital (leverage) ratio | 11.2460% | 2,210 |
| Tier 1 risk-based capital ratio | 38.6820% | 280 |
| Total risk-based capital ratio | 39.9339% | 281 |
| Memoranda: | ||
| Average total assets | $247,298,000 | 2,565 |
| Average earning assets | $240,471,000 | 2,456 |
| Average equity | $29,476,000 | 2,377 |
| Average total loans | $72,744,330 | 4,092 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 5,665 |
| Cost of funding earning assets | 0.2784% | 4,687 |
| Net interest margin | 2.9138% | 5,424 |
| Noninterest income to average assets | 0.3275% | 4,571 |
| Noninterest expense to average assets | 1.8127% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3490% | 1,138 |
| Return on assets (ROA) | 1.3490% | 1,205 |
| Pretax return on assets | 1.3490% | 2,079 |
| Return on Equity (ROE) | 11.2391% | 1,571 |
| Retained earnings to average equity (ytd only) | 5.8357% | 2,589 |
| Net charge-offs to loans | -0.5082% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3333% | 5,408 |
| Assets per employee ($millions) | 5.8808% | 1,483 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 2,646 |
| Loan loss allowance to noncurrent loans | 34.8600% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2694% | 2,101 |
| Noncurrent loans to loans | 4.1753% | 398 |
| Net loans and leases to total assets | 28.3265% | 6,124 |
| Net loans and leases to deposits | 32.3036% | 6,155 |
| Net loans and leases to core deposits | 33.3849% | 6,156 |
| Total domestic deposits to total assets | 87.6884% | 1,993 |
| Equity capital to assets | 12.1494% | 1,926 |
| Core capital (leverage) ratio | 11.3796% | 2,099 |
| Tier 1 risk-based capital ratio | 36.6706% | 317 |
| Total risk-based capital ratio | 37.9222% | 313 |
| Memoranda: | ||
| Average total assets | $246,698,000 | 2,587 |
| Average earning assets | $239,960,500 | 2,469 |
| Average equity | $29,611,000 | 2,381 |
| Average total loans | $73,201,000 | 4,098 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 5,599 |
| Cost of funding earning assets | 0.2853% | 4,950 |
| Net interest margin | 3.0769% | 5,259 |
| Noninterest income to average assets | 0.3829% | 4,314 |
| Noninterest expense to average assets | 2.0853% | 5,608 |
| Loan and lease loss provision to assets | 0.0434% | 3,697 |
| Net operating income to assets | 1.2374% | 1,474 |
| Return on assets (ROA) | 1.2374% | 1,526 |
| Pretax return on assets | 1.2374% | 2,498 |
| Return on Equity (ROE) | 10.4061% | 1,953 |
| Retained earnings to average equity (ytd only) | 3.3957% | 3,796 |
| Net charge-offs to loans | 0.0180% | 4,495 |
| Credit loss provision to net charge-offs | 769.2308% | 352 |
| Earnings coverage of net charge-offs (x) | 226.9231% | 241 |
| Efficiency ratio | 61.9502% | 4,924 |
| Assets per employee ($millions) | 5.5935% | 1,693 |
| Cash dividends to net income (ytd only)* | 67.3684% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 3,371 |
| Loan loss allowance to noncurrent loans | 31.6601% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 2,094 |
| Noncurrent loans to loans | 4.1350% | 432 |
| Net loans and leases to total assets | 30.2461% | 6,167 |
| Net loans and leases to deposits | 34.3663% | 6,213 |
| Net loans and leases to core deposits | 35.6245% | 6,205 |
| Total domestic deposits to total assets | 88.0110% | 1,763 |
| Equity capital to assets | 11.8489% | 2,133 |
| Core capital (leverage) ratio | 11.4248% | 2,041 |
| Tier 1 risk-based capital ratio | 26.9484% | 689 |
| Total risk-based capital ratio | 27.8998% | 694 |
| Memoranda: | ||
| Average total assets | $230,330,600 | 2,695 |
| Average earning assets | $223,308,000 | 2,597 |
| Average equity | $27,387,800 | 2,456 |
| Average total loans | $72,355,400 | 4,113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 5,620 |
| Cost of funding earning assets | 0.2857% | 5,036 |
| Net interest margin | 3.0989% | 5,263 |
| Noninterest income to average assets | 0.3834% | 4,370 |
| Noninterest expense to average assets | 1.9831% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4036% | 1,127 |
| Return on assets (ROA) | 1.4036% | 1,169 |
| Pretax return on assets | 1.4036% | 1,992 |
| Return on Equity (ROE) | 11.7936% | 1,532 |
| Retained earnings to average equity (ytd only) | 4.7115% | 3,274 |
| Net charge-offs to loans | -0.0907% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5551% | 5,372 |
| Assets per employee ($millions) | 5.3176% | 1,890 |
| Cash dividends to net income (ytd only)* | 60.0500% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 3,917 |
| Loan loss allowance to noncurrent loans | 28.8965% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4566% | 2,118 |
| Noncurrent loans to loans | 4.3394% | 460 |
| Net loans and leases to total assets | 31.1998% | 6,217 |
| Net loans and leases to deposits | 35.7001% | 6,255 |
| Net loans and leases to core deposits | 37.0620% | 6,259 |
| Total domestic deposits to total assets | 87.3940% | 2,094 |
| Equity capital to assets | 12.0769% | 1,991 |
| Core capital (leverage) ratio | 11.7774% | 1,848 |
| Tier 1 risk-based capital ratio | 27.4835% | 675 |
| Total risk-based capital ratio | 28.4146% | 682 |
| Memoranda: | ||
| Average total assets | $227,783,250 | 2,736 |
| Average earning assets | $220,757,750 | 2,627 |
| Average equity | $27,110,000 | 2,481 |
| Average total loans | $72,016,000 | 4,157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,641 |
| Cost of funding earning assets | 0.2873% | 5,106 |
| Net interest margin | 3.1024% | 5,249 |
| Noninterest income to average assets | 0.3792% | 4,411 |
| Noninterest expense to average assets | 1.9803% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4035% | 1,055 |
| Return on assets (ROA) | 1.4035% | 1,094 |
| Pretax return on assets | 1.4035% | 1,879 |
| Return on Equity (ROE) | 11.8529% | 1,467 |
| Retained earnings to average equity (ytd only) | 4.6693% | 3,173 |
| Net charge-offs to loans | -0.0672% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5232% | 5,487 |
| Assets per employee ($millions) | 4.8975% | 2,346 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,050 |
| Loan loss allowance to noncurrent loans | 23.6932% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7408% | 1,868 |
| Noncurrent loans to loans | 5.3417% | 351 |
| Net loans and leases to total assets | 30.5707% | 6,288 |
| Net loans and leases to deposits | 34.8400% | 6,328 |
| Net loans and leases to core deposits | 36.1249% | 6,328 |
| Total domestic deposits to total assets | 87.7462% | 2,061 |
| Equity capital to assets | 12.0827% | 1,925 |
| Core capital (leverage) ratio | 11.8884% | 1,724 |
| Tier 1 risk-based capital ratio | 27.5041% | 670 |
| Total risk-based capital ratio | 28.4220% | 678 |
| Memoranda: | ||
| Average total assets | $225,719,000 | 2,764 |
| Average earning assets | $218,604,000 | 2,656 |
| Average equity | $26,727,670 | 2,501 |
| Average total loans | $71,379,000 | 4,185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 5,532 |
| Cost of funding earning assets | 0.2903% | 5,167 |
| Net interest margin | 3.1619% | 5,048 |
| Noninterest income to average assets | 0.3776% | 4,364 |
| Noninterest expense to average assets | 1.9706% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4676% | 866 |
| Return on assets (ROA) | 1.4676% | 894 |
| Pretax return on assets | 1.4676% | 1,527 |
| Return on Equity (ROE) | 12.5260% | 1,276 |
| Retained earnings to average equity (ytd only) | 5.1937% | 2,998 |
| Net charge-offs to loans | -0.0504% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3139% | 5,719 |
| Assets per employee ($millions) | 5.0535% | 2,187 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,439 |
| Loan loss allowance to noncurrent loans | 36.1598% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 2,926 |
| Noncurrent loans to loans | 3.4267% | 867 |
| Net loans and leases to total assets | 31.0883% | 6,302 |
| Net loans and leases to deposits | 35.2915% | 6,339 |
| Net loans and leases to core deposits | 36.7303% | 6,343 |
| Total domestic deposits to total assets | 88.0901% | 2,181 |
| Equity capital to assets | 11.7551% | 2,050 |
| Core capital (leverage) ratio | 11.8730% | 1,719 |
| Tier 1 risk-based capital ratio | 27.5848% | 671 |
| Total risk-based capital ratio | 28.4997% | 682 |
| Memoranda: | ||
| Average total assets | $223,488,000 | 2,792 |
| Average earning assets | $216,324,000 | 2,678 |
| Average equity | $26,185,500 | 2,535 |
| Average total loans | $71,433,500 | 4,224 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 5,348 |
| Cost of funding earning assets | 0.3126% | 5,496 |
| Net interest margin | 3.3109% | 4,626 |
| Noninterest income to average assets | 0.4650% | 3,991 |
| Noninterest expense to average assets | 2.1003% | 5,828 |
| Loan and lease loss provision to assets | 0.0451% | 4,221 |
| Net operating income to assets | 1.5203% | 784 |
| Return on assets (ROA) | 1.5203% | 824 |
| Pretax return on assets | 1.5203% | 1,381 |
| Return on Equity (ROE) | 12.1937% | 1,358 |
| Retained earnings to average equity (ytd only) | 4.6699% | 2,833 |
| Net charge-offs to loans | 0.3172% | 2,101 |
| Credit loss provision to net charge-offs | 43.2900% | 3,971 |
| Earnings coverage of net charge-offs (x) | 15.0260% | 1,905 |
| Efficiency ratio | 57.2958% | 5,817 |
| Assets per employee ($millions) | 5.1063% | 2,063 |
| Cash dividends to net income (ytd only)* | 61.7028% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,491 |
| Loan loss allowance to noncurrent loans | 47.0525% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 3,548 |
| Noncurrent loans to loans | 2.6177% | 1,423 |
| Net loans and leases to total assets | 32.0651% | 6,379 |
| Net loans and leases to deposits | 36.3452% | 6,414 |
| Net loans and leases to core deposits | 37.6915% | 6,426 |
| Total domestic deposits to total assets | 88.2237% | 2,043 |
| Equity capital to assets | 11.6770% | 2,047 |
| Core capital (leverage) ratio | 11.7184% | 1,814 |
| Tier 1 risk-based capital ratio | 27.2257% | 659 |
| Total risk-based capital ratio | 28.1310% | 673 |
| Memoranda: | ||
| Average total assets | $221,727,800 | 2,793 |
| Average earning assets | $214,353,600 | 2,676 |
| Average equity | $27,645,400 | 2,408 |
| Average total loans | $72,832,600 | 4,167 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 5,382 |
| Cost of funding earning assets | 0.3140% | 5,606 |
| Net interest margin | 3.3073% | 4,608 |
| Noninterest income to average assets | 0.4919% | 3,869 |
| Noninterest expense to average assets | 1.9574% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7318% | 603 |
| Return on assets (ROA) | 1.7318% | 626 |
| Pretax return on assets | 1.7318% | 1,034 |
| Return on Equity (ROE) | 13.6755% | 1,078 |
| Retained earnings to average equity (ytd only) | 6.8543% | 1,944 |
| Net charge-offs to loans | 0.3423% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.3564% | 1,873 |
| Efficiency ratio | 53.0569% | 6,177 |
| Assets per employee ($millions) | 4.8555% | 2,361 |
| Cash dividends to net income (ytd only)* | 49.8787% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 5,243 |
| Loan loss allowance to noncurrent loans | 116.2890% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,223 |
| Noncurrent loans to loans | 0.9655% | 3,884 |
| Net loans and leases to total assets | 31.6838% | 6,469 |
| Net loans and leases to deposits | 35.8467% | 6,515 |
| Net loans and leases to core deposits | 37.0924% | 6,527 |
| Total domestic deposits to total assets | 88.3869% | 1,903 |
| Equity capital to assets | 11.4917% | 2,312 |
| Core capital (leverage) ratio | 11.8023% | 1,815 |
| Tier 1 risk-based capital ratio | 26.7365% | 727 |
| Total risk-based capital ratio | 27.5630% | 748 |
| Memoranda: | ||
| Average total assets | $222,267,500 | 2,810 |
| Average earning assets | $214,874,500 | 2,686 |
| Average equity | $28,147,000 | 2,397 |
| Average total loans | $73,220,000 | 4,187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 5,338 |
| Cost of funding earning assets | 0.3160% | 5,705 |
| Net interest margin | 3.3189% | 4,492 |
| Noninterest income to average assets | 0.5611% | 3,433 |
| Noninterest expense to average assets | 1.9529% | 6,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8122% | 505 |
| Return on assets (ROA) | 1.8122% | 544 |
| Pretax return on assets | 1.8122% | 903 |
| Return on Equity (ROE) | 13.8670% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.1975% | 1,794 |
| Net charge-offs to loans | 0.3304% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.4959% | 1,662 |
| Efficiency ratio | 51.8688% | 6,285 |
| Assets per employee ($millions) | 4.8179% | 2,345 |
| Cash dividends to net income (ytd only)* | 48.0962% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,876 |
| Loan loss allowance to noncurrent loans | 120.1624% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 5,180 |
| Noncurrent loans to loans | 1.0170% | 3,901 |
| Net loans and leases to total assets | 31.6967% | 6,520 |
| Net loans and leases to deposits | 35.9177% | 6,562 |
| Net loans and leases to core deposits | 37.0731% | 6,569 |
| Total domestic deposits to total assets | 88.2483% | 2,077 |
| Equity capital to assets | 11.6519% | 2,171 |
| Core capital (leverage) ratio | 11.7970% | 1,726 |
| Tier 1 risk-based capital ratio | 26.1608% | 758 |
| Total risk-based capital ratio | 27.0492% | 772 |
| Memoranda: | ||
| Average total assets | $220,287,330 | 2,834 |
| Average earning assets | $212,663,670 | 2,712 |
| Average equity | $28,787,670 | 2,358 |
| Average total loans | $73,251,330 | 4,202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 5,302 |
| Cost of funding earning assets | 0.3095% | 5,896 |
| Net interest margin | 3.3416% | 4,346 |
| Noninterest income to average assets | 0.3665% | 4,743 |
| Noninterest expense to average assets | 1.9723% | 6,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6150% | 684 |
| Return on assets (ROA) | 1.6150% | 744 |
| Pretax return on assets | 1.6150% | 1,270 |
| Return on Equity (ROE) | 11.6976% | 1,503 |
| Retained earnings to average equity (ytd only) | 5.2953% | 3,056 |
| Net charge-offs to loans | 0.5928% | 1,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.0459% | 1,986 |
| Efficiency ratio | 54.9795% | 6,156 |
| Assets per employee ($millions) | 4.4920% | 2,987 |
| Cash dividends to net income (ytd only)* | 54.7320% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,077 |
| Loan loss allowance to noncurrent loans | 125.1739% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 5,278 |
| Noncurrent loans to loans | 0.9769% | 4,178 |
| Net loans and leases to total assets | 33.0276% | 6,463 |
| Net loans and leases to deposits | 38.2396% | 6,495 |
| Net loans and leases to core deposits | 42.3423% | 6,387 |
| Total domestic deposits to total assets | 86.3700% | 3,318 |
| Equity capital to assets | 13.5378% | 1,200 |
| Core capital (leverage) ratio | 12.1685% | 1,476 |
| Tier 1 risk-based capital ratio | 26.2020% | 767 |
| Total risk-based capital ratio | 27.1264% | 788 |
| Memoranda: | ||
| Average total assets | $217,209,500 | 2,911 |
| Average earning assets | $209,361,000 | 2,781 |
| Average equity | $29,989,000 | 2,293 |
| Average total loans | $73,545,500 | 4,213 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 5,183 |
| Cost of funding earning assets | 0.3491% | 6,220 |
| Net interest margin | 3.6918% | 3,684 |
| Noninterest income to average assets | 0.4119% | 4,514 |
| Noninterest expense to average assets | 2.2991% | 5,693 |
| Loan and lease loss provision to assets | 0.0010% | 5,901 |
| Net operating income to assets | 1.6594% | 675 |
| Return on assets (ROA) | 1.6594% | 752 |
| Pretax return on assets | 1.6594% | 1,241 |
| Return on Equity (ROE) | 11.5459% | 1,640 |
| Retained earnings to average equity (ytd only) | 3.4139% | 3,823 |
| Net charge-offs to loans | 0.1749% | 3,978 |
| Credit loss provision to net charge-offs | 1.5038% | 5,470 |
| Earnings coverage of net charge-offs (x) | 25.9774% | 1,115 |
| Efficiency ratio | 58.0653% | 5,820 |
| Assets per employee ($millions) | 4.5598% | 2,863 |
| Cash dividends to net income (ytd only)* | 70.4315% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 4,295 |
| Loan loss allowance to noncurrent loans | 98.0564% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 5,217 |
| Noncurrent loans to loans | 1.4001% | 3,504 |
| Net loans and leases to total assets | 33.8227% | 6,554 |
| Net loans and leases to deposits | 39.3923% | 6,579 |
| Net loans and leases to core deposits | 42.7865% | 6,515 |
| Total domestic deposits to total assets | 85.8611% | 3,419 |
| Equity capital to assets | 14.0825% | 1,016 |
| Core capital (leverage) ratio | 12.2866% | 1,408 |
| Tier 1 risk-based capital ratio | 25.9934% | 771 |
| Total risk-based capital ratio | 27.0378% | 782 |
| Memoranda: | ||
| Average total assets | $208,082,600 | 2,949 |
| Average earning assets | $199,958,200 | 2,847 |
| Average equity | $29,906,800 | 2,256 |
| Average total loans | $76,054,800 | 4,153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 5,130 |
| Cost of funding earning assets | 0.3579% | 6,344 |
| Net interest margin | 3.7583% | 3,512 |
| Noninterest income to average assets | 0.4183% | 4,492 |
| Noninterest expense to average assets | 2.1724% | 6,009 |
| Loan and lease loss provision to assets | -0.0439% | 6,990 |
| Net operating income to assets | 1.9032% | 447 |
| Return on assets (ROA) | 1.9032% | 523 |
| Pretax return on assets | 1.9032% | 862 |
| Return on Equity (ROE) | 13.1728% | 1,295 |
| Retained earnings to average equity (ytd only) | 4.8795% | 3,453 |
| Net charge-offs to loans | 0.0869% | 4,519 |
| Credit loss provision to net charge-offs | -136.0000% | 6,279 |
| Earnings coverage of net charge-offs (x) | 57.5956% | 678 |
| Efficiency ratio | 53.8831% | 6,261 |
| Assets per employee ($millions) | 4.2937% | 3,282 |
| Cash dividends to net income (ytd only)* | 62.9578% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,563 |
| Loan loss allowance to noncurrent loans | 96.8720% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,394 |
| Noncurrent loans to loans | 1.3969% | 3,705 |
| Net loans and leases to total assets | 36.1485% | 6,540 |
| Net loans and leases to deposits | 42.5200% | 6,573 |
| Net loans and leases to core deposits | 49.0548% | 6,345 |
| Total domestic deposits to total assets | 85.0153% | 3,735 |
| Equity capital to assets | 14.8644% | 853 |
| Core capital (leverage) ratio | 12.3437% | 1,478 |
| Tier 1 risk-based capital ratio | 26.9170% | 748 |
| Total risk-based capital ratio | 28.0094% | 745 |
| Memoranda: | ||
| Average total assets | $206,526,000 | 3,003 |
| Average earning assets | $198,559,000 | 2,881 |
| Average equity | $29,838,500 | 2,275 |
| Average total loans | $76,695,000 | 4,177 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 5,122 |
| Cost of funding earning assets | 0.3661% | 6,442 |
| Net interest margin | 3.7868% | 3,425 |
| Noninterest income to average assets | 0.4200% | 4,502 |
| Noninterest expense to average assets | 2.1551% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8987% | 460 |
| Return on assets (ROA) | 1.8987% | 524 |
| Pretax return on assets | 1.8987% | 847 |
| Return on Equity (ROE) | 13.2689% | 1,289 |
| Retained earnings to average equity (ytd only) | 5.0451% | 3,254 |
| Net charge-offs to loans | 0.0208% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 245.2500% | 175 |
| Efficiency ratio | 53.1630% | 6,402 |
| Assets per employee ($millions) | 4.2659% | 3,329 |
| Cash dividends to net income (ytd only)* | 61.9776% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,107 |
| Loan loss allowance to noncurrent loans | 149.7354% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 5,875 |
| Noncurrent loans to loans | 0.9888% | 4,530 |
| Net loans and leases to total assets | 36.0350% | 6,608 |
| Net loans and leases to deposits | 42.1009% | 6,642 |
| Net loans and leases to core deposits | 48.6715% | 6,419 |
| Total domestic deposits to total assets | 85.5920% | 3,572 |
| Equity capital to assets | 14.3243% | 970 |
| Core capital (leverage) ratio | 12.2324% | 1,481 |
| Tier 1 risk-based capital ratio | 26.4721% | 769 |
| Total risk-based capital ratio | 27.6786% | 761 |
| Memoranda: | ||
| Average total assets | $206,669,000 | 3,012 |
| Average earning assets | $198,318,000 | 2,894 |
| Average equity | $29,573,000 | 2,286 |
| Average total loans | $77,085,670 | 4,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 5,076 |
| Cost of funding earning assets | 0.3730% | 6,538 |
| Net interest margin | 3.8355% | 3,217 |
| Noninterest income to average assets | 0.4224% | 4,503 |
| Noninterest expense to average assets | 2.1899% | 6,068 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9154% | 484 |
| Return on assets (ROA) | 1.9154% | 555 |
| Pretax return on assets | 1.9154% | 851 |
| Return on Equity (ROE) | 13.3930% | 1,308 |
| Retained earnings to average equity (ytd only) | 5.5532% | 3,229 |
| Net charge-offs to loans | -0.0155% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3428% | 6,407 |
| Assets per employee ($millions) | 4.1918% | 3,596 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 4,127 |
| Loan loss allowance to noncurrent loans | 145.6051% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 5,924 |
| Noncurrent loans to loans | 1.0336% | 4,621 |
| Net loans and leases to total assets | 36.4198% | 6,597 |
| Net loans and leases to deposits | 42.5116% | 6,635 |
| Net loans and leases to core deposits | 48.9507% | 6,399 |
| Total domestic deposits to total assets | 85.6703% | 3,704 |
| Equity capital to assets | 14.2591% | 934 |
| Core capital (leverage) ratio | 11.9129% | 1,641 |
| Tier 1 risk-based capital ratio | 26.4925% | 766 |
| Total risk-based capital ratio | 27.7285% | 754 |
| Memoranda: | ||
| Average total assets | $205,488,500 | 3,044 |
| Average earning assets | $197,317,000 | 2,928 |
| Average equity | $29,388,500 | 2,302 |
| Average total loans | $77,400,500 | 4,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 5,344 |
| Cost of funding earning assets | 0.4718% | 6,648 |
| Net interest margin | 3.9483% | 3,117 |
| Noninterest income to average assets | 0.4694% | 4,058 |
| Noninterest expense to average assets | 2.4709% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7890% | 465 |
| Return on assets (ROA) | 1.7879% | 508 |
| Pretax return on assets | 1.7879% | 822 |
| Return on Equity (ROE) | 12.6228% | 1,255 |
| Retained earnings to average equity (ytd only) | 4.2319% | 3,171 |
| Net charge-offs to loans | 0.0171% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 266.7692% | 132 |
| Efficiency ratio | 58.0044% | 6,059 |
| Assets per employee ($millions) | 4.1116% | 3,625 |
| Cash dividends to net income (ytd only)* | 66.4743% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 4,261 |
| Loan loss allowance to noncurrent loans | 68.2226% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 5,005 |
| Noncurrent loans to loans | 2.1192% | 3,043 |
| Net loans and leases to total assets | 37.8017% | 6,657 |
| Net loans and leases to deposits | 44.1578% | 6,714 |
| Net loans and leases to core deposits | 51.1751% | 6,469 |
| Total domestic deposits to total assets | 85.6060% | 3,531 |
| Equity capital to assets | 14.3444% | 953 |
| Core capital (leverage) ratio | 11.9288% | 1,641 |
| Tier 1 risk-based capital ratio | 25.3549% | 835 |
| Total risk-based capital ratio | 26.5548% | 818 |
| Memoranda: | ||
| Average total assets | $193,853,400 | 3,132 |
| Average earning assets | $186,107,000 | 3,017 |
| Average equity | $27,458,200 | 2,360 |
| Average total loans | $76,225,400 | 4,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 5,350 |
| Cost of funding earning assets | 0.4912% | 6,733 |
| Net interest margin | 3.9780% | 3,014 |
| Noninterest income to average assets | 0.4861% | 3,987 |
| Noninterest expense to average assets | 2.3038% | 6,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0057% | 335 |
| Return on assets (ROA) | 2.0070% | 365 |
| Pretax return on assets | 2.0070% | 617 |
| Return on Equity (ROE) | 14.2183% | 996 |
| Retained earnings to average equity (ytd only) | 5.6695% | 2,762 |
| Net charge-offs to loans | 0.0441% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 114.8887% | 311 |
| Efficiency ratio | 53.4597% | 6,545 |
| Assets per employee ($millions) | 3.9815% | 3,891 |
| Cash dividends to net income (ytd only)* | 60.1253% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,204 |
| Loan loss allowance to noncurrent loans | 137.0595% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 6,046 |
| Noncurrent loans to loans | 1.0796% | 4,753 |
| Net loans and leases to total assets | 37.7252% | 6,787 |
| Net loans and leases to deposits | 44.4153% | 6,815 |
| Net loans and leases to core deposits | 51.3901% | 6,599 |
| Total domestic deposits to total assets | 84.9373% | 3,796 |
| Equity capital to assets | 14.9427% | 863 |
| Core capital (leverage) ratio | 12.5135% | 1,429 |
| Tier 1 risk-based capital ratio | 26.2927% | 806 |
| Total risk-based capital ratio | 27.5246% | 786 |
| Memoranda: | ||
| Average total assets | $190,922,250 | 3,190 |
| Average earning assets | $183,506,500 | 3,058 |
| Average equity | $26,950,500 | 2,398 |
| Average total loans | $75,568,750 | 4,331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 5,241 |
| Cost of funding earning assets | 0.5105% | 6,811 |
| Net interest margin | 4.0255% | 2,711 |
| Noninterest income to average assets | 0.5058% | 3,816 |
| Noninterest expense to average assets | 2.3347% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0340% | 328 |
| Return on assets (ROA) | 2.0340% | 342 |
| Pretax return on assets | 2.0340% | 554 |
| Return on Equity (ROE) | 14.7127% | 852 |
| Retained earnings to average equity (ytd only) | 5.8574% | 2,515 |
| Net charge-offs to loans | 0.0504% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 100.7368% | 367 |
| Efficiency ratio | 53.4420% | 6,673 |
| Assets per employee ($millions) | 3.8442% | 4,101 |
| Cash dividends to net income (ytd only)* | 60.1881% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 4,051 |
| Loan loss allowance to noncurrent loans | 134.9584% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 6,049 |
| Noncurrent loans to loans | 1.1241% | 4,784 |
| Net loans and leases to total assets | 38.3320% | 6,842 |
| Net loans and leases to deposits | 44.7678% | 6,895 |
| Net loans and leases to core deposits | 50.7683% | 6,728 |
| Total domestic deposits to total assets | 85.6241% | 3,540 |
| Equity capital to assets | 14.2849% | 997 |
| Core capital (leverage) ratio | 12.4462% | 1,390 |
| Tier 1 risk-based capital ratio | 26.2832% | 788 |
| Total risk-based capital ratio | 27.5274% | 770 |
| Memoranda: | ||
| Average total assets | $188,205,000 | 3,251 |
| Average earning assets | $180,599,330 | 3,125 |
| Average equity | $26,018,330 | 2,460 |
| Average total loans | $75,348,670 | 4,373 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 4,946 |
| Cost of funding earning assets | 0.5260% | 6,880 |
| Net interest margin | 4.0740% | 2,370 |
| Noninterest income to average assets | 0.5435% | 3,558 |
| Noninterest expense to average assets | 2.4124% | 5,848 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0408% | 327 |
| Return on assets (ROA) | 2.0408% | 343 |
| Pretax return on assets | 2.0408% | 522 |
| Return on Equity (ROE) | 15.0204% | 818 |
| Retained earnings to average equity (ytd only) | 5.9133% | 2,691 |
| Net charge-offs to loans | 0.0582% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 86.3636% | 360 |
| Efficiency ratio | 54.1727% | 6,681 |
| Assets per employee ($millions) | 3.7310% | 4,472 |
| Cash dividends to net income (ytd only)* | 60.6316% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 4,045 |
| Loan loss allowance to noncurrent loans | 129.7727% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,044 |
| Noncurrent loans to loans | 1.1801% | 4,717 |
| Net loans and leases to total assets | 39.3623% | 6,826 |
| Net loans and leases to deposits | 45.6694% | 6,872 |
| Net loans and leases to core deposits | 50.4469% | 6,754 |
| Total domestic deposits to total assets | 86.1897% | 3,407 |
| Equity capital to assets | 13.7197% | 1,096 |
| Core capital (leverage) ratio | 12.4917% | 1,326 |
| Tier 1 risk-based capital ratio | 26.3182% | 756 |
| Total risk-based capital ratio | 27.5793% | 741 |
| Memoranda: | ||
| Average total assets | $186,202,500 | 3,293 |
| Average earning assets | $178,693,500 | 3,172 |
| Average equity | $25,299,000 | 2,513 |
| Average total loans | $75,616,500 | 4,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 4,507 |
| Cost of funding earning assets | 0.6102% | 7,106 |
| Net interest margin | 4.4006% | 1,470 |
| Noninterest income to average assets | 0.4701% | 4,380 |
| Noninterest expense to average assets | 2.5960% | 5,433 |
| Loan and lease loss provision to assets | 0.2108% | 5,145 |
| Net operating income to assets | 1.8661% | 366 |
| Return on assets (ROA) | 1.8759% | 379 |
| Pretax return on assets | 1.8759% | 641 |
| Return on Equity (ROE) | 13.6063% | 963 |
| Retained earnings to average equity (ytd only) | 3.4924% | 3,426 |
| Net charge-offs to loans | 0.6017% | 3,227 |
| Credit loss provision to net charge-offs | 80.6250% | 5,542 |
| Earnings coverage of net charge-offs (x) | 7.9438% | 2,039 |
| Efficiency ratio | 55.5543% | 6,647 |
| Assets per employee ($millions) | 3.7171% | 4,422 |
| Cash dividends to net income (ytd only)* | 74.3322% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,986 |
| Loan loss allowance to noncurrent loans | 132.0733% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 5,959 |
| Noncurrent loans to loans | 1.1388% | 4,836 |
| Net loans and leases to total assets | 40.6272% | 6,926 |
| Net loans and leases to deposits | 46.9881% | 6,997 |
| Net loans and leases to core deposits | 52.0659% | 6,910 |
| Total domestic deposits to total assets | 86.4626% | 3,100 |
| Equity capital to assets | 13.4534% | 1,191 |
| Core capital (leverage) ratio | 12.0473% | 1,512 |
| Tier 1 risk-based capital ratio | 25.4139% | 812 |
| Total risk-based capital ratio | 26.6749% | 785 |
| Memoranda: | ||
| Average total assets | $183,592,600 | 3,319 |
| Average earning assets | $175,339,200 | 3,182 |
| Average equity | $25,311,800 | 2,517 |
| Average total loans | $79,770,200 | 4,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0962% | 4,339 |
| Cost of funding earning assets | 0.6220% | 7,247 |
| Net interest margin | 4.4743% | 1,315 |
| Noninterest income to average assets | 0.4560% | 4,514 |
| Noninterest expense to average assets | 2.4127% | 5,991 |
| Loan and lease loss provision to assets | 0.0517% | 6,563 |
| Net operating income to assets | 2.2626% | 212 |
| Return on assets (ROA) | 2.2626% | 227 |
| Pretax return on assets | 2.2626% | 370 |
| Return on Equity (ROE) | 16.3113% | 672 |
| Retained earnings to average equity (ytd only) | 6.2283% | 2,246 |
| Net charge-offs to loans | 0.3079% | 4,117 |
| Credit loss provision to net charge-offs | 38.1720% | 6,040 |
| Earnings coverage of net charge-offs (x) | 17.0809% | 1,347 |
| Efficiency ratio | 51.0402% | 7,070 |
| Assets per employee ($millions) | 3.7735% | 4,334 |
| Cash dividends to net income (ytd only)* | 61.8159% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,206 |
| Loan loss allowance to noncurrent loans | 22,620.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 7,158 |
| Noncurrent loans to loans | 0.0064% | 7,258 |
| Net loans and leases to total assets | 40.7621% | 7,036 |
| Net loans and leases to deposits | 47.7073% | 7,099 |
| Net loans and leases to core deposits | 54.2661% | 6,946 |
| Total domestic deposits to total assets | 85.4420% | 3,386 |
| Equity capital to assets | 14.4239% | 1,038 |
| Core capital (leverage) ratio | 12.4505% | 1,440 |
| Tier 1 risk-based capital ratio | 23.6017% | 994 |
| Total risk-based capital ratio | 24.7544% | 978 |
| Memoranda: | ||
| Average total assets | $183,026,750 | 3,380 |
| Average earning assets | $174,712,750 | 3,237 |
| Average equity | $25,388,750 | 2,553 |
| Average total loans | $80,547,500 | 4,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 4,022 |
| Cost of funding earning assets | 0.6320% | 7,338 |
| Net interest margin | 4.5537% | 1,098 |
| Noninterest income to average assets | 0.4527% | 4,489 |
| Noninterest expense to average assets | 2.4323% | 5,968 |
| Loan and lease loss provision to assets | 0.0784% | 6,157 |
| Net operating income to assets | 2.2932% | 196 |
| Return on assets (ROA) | 2.2932% | 215 |
| Pretax return on assets | 2.2932% | 342 |
| Return on Equity (ROE) | 16.7633% | 598 |
| Retained earnings to average equity (ytd only) | 6.4325% | 2,108 |
| Net charge-offs to loans | 0.1376% | 4,844 |
| Credit loss provision to net charge-offs | 126.7857% | 3,178 |
| Earnings coverage of net charge-offs (x) | 38.3571% | 755 |
| Efficiency ratio | 50.6320% | 7,183 |
| Assets per employee ($millions) | 3.6518% | 4,585 |
| Cash dividends to net income (ytd only)* | 61.6273% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,502 |
| Loan loss allowance to noncurrent loans | 3,943.7500% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 7,189 |
| Noncurrent loans to loans | 0.0403% | 7,217 |
| Net loans and leases to total assets | 41.1797% | 7,087 |
| Net loans and leases to deposits | 48.4165% | 7,147 |
| Net loans and leases to core deposits | 56.6464% | 6,904 |
| Total domestic deposits to total assets | 85.0531% | 3,597 |
| Equity capital to assets | 13.5988% | 1,305 |
| Core capital (leverage) ratio | 12.3578% | 1,466 |
| Tier 1 risk-based capital ratio | 23.3748% | 1,015 |
| Total risk-based capital ratio | 24.6304% | 989 |
| Memoranda: | ||
| Average total assets | $181,144,670 | 3,426 |
| Average earning assets | $173,091,670 | 3,292 |
| Average equity | $24,780,330 | 2,612 |
| Average total loans | $81,384,000 | 4,405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 3,521 |
| Cost of funding earning assets | 0.6498% | 7,438 |
| Net interest margin | 4.6555% | 859 |
| Noninterest income to average assets | 0.4435% | 4,533 |
| Noninterest expense to average assets | 2.5276% | 5,626 |
| Loan and lease loss provision to assets | 0.1607% | 4,923 |
| Net operating income to assets | 2.1972% | 253 |
| Return on assets (ROA) | 2.1972% | 278 |
| Pretax return on assets | 2.1972% | 423 |
| Return on Equity (ROE) | 16.0106% | 715 |
| Retained earnings to average equity (ytd only) | 5.4578% | 2,895 |
| Net charge-offs to loans | -0.0243% | 7,123 |
| Credit loss provision to net charge-offs | -1,420.0000% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7369% | 7,177 |
| Assets per employee ($millions) | 3.4653% | 5,114 |
| Cash dividends to net income (ytd only)* | 65.9114% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 3,367 |
| Loan loss allowance to noncurrent loans | 681.4433% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 7,205 |
| Noncurrent loans to loans | 0.2376% | 6,864 |
| Net loans and leases to total assets | 45.4580% | 6,877 |
| Net loans and leases to deposits | 52.8165% | 6,992 |
| Net loans and leases to core deposits | 59.7310% | 6,770 |
| Total domestic deposits to total assets | 86.0679% | 3,121 |
| Equity capital to assets | 13.8246% | 1,201 |
| Core capital (leverage) ratio | 12.7924% | 1,298 |
| Tier 1 risk-based capital ratio | 23.0999% | 1,056 |
| Total risk-based capital ratio | 24.3614% | 1,037 |
| Memoranda: | ||
| Average total assets | $176,771,000 | 3,548 |
| Average earning assets | $168,661,500 | 3,421 |
| Average equity | $24,259,000 | 2,695 |
| Average total loans | $82,346,500 | 4,430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 4,175 |
| Cost of funding earning assets | 0.8495% | 7,487 |
| Net interest margin | 4.6444% | 911 |
| Noninterest income to average assets | 0.4750% | 4,613 |
| Noninterest expense to average assets | 2.6580% | 5,566 |
| Loan and lease loss provision to assets | 0.0574% | 6,990 |
| Net operating income to assets | 2.1894% | 150 |
| Return on assets (ROA) | 2.2225% | 150 |
| Pretax return on assets | 2.2225% | 260 |
| Return on Equity (ROE) | 16.1421% | 541 |
| Retained earnings to average equity (ytd only) | 5.3582% | 1,643 |
| Net charge-offs to loans | 0.1663% | 5,623 |
| Credit loss provision to net charge-offs | 71.7391% | 6,457 |
| Earnings coverage of net charge-offs (x) | 28.0725% | 812 |
| Efficiency ratio | 54.1918% | 7,212 |
| Assets per employee ($millions) | 3.5363% | 4,933 |
| Cash dividends to net income (ytd only)* | 66.8058% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,722 |
| Loan loss allowance to noncurrent loans | 1,706.8493% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,408 |
| Noncurrent loans to loans | 0.0879% | 7,191 |
| Net loans and leases to total assets | 46.2565% | 6,948 |
| Net loans and leases to deposits | 53.7902% | 7,064 |
| Net loans and leases to core deposits | 71.7873% | 6,673 |
| Total domestic deposits to total assets | 85.9943% | 3,019 |
| Equity capital to assets | 13.6222% | 1,271 |
| Core capital (leverage) ratio | 12.5239% | 1,446 |
| Tier 1 risk-based capital ratio | 22.3952% | 1,110 |
| Total risk-based capital ratio | 23.6459% | 1,087 |
| Memoranda: | ||
| Average total assets | $172,420,200 | 3,567 |
| Average earning assets | $164,454,400 | 3,437 |
| Average equity | $23,739,200 | 2,764 |
| Average total loans | $82,989,000 | 4,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 4,277 |
| Cost of funding earning assets | 0.8908% | 7,577 |
| Net interest margin | 4.6383% | 924 |
| Noninterest income to average assets | 0.4817% | 4,653 |
| Noninterest expense to average assets | 2.5254% | 5,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.3814% | 128 |
| Return on assets (ROA) | 2.3814% | 142 |
| Pretax return on assets | 2.3814% | 243 |
| Return on Equity (ROE) | 17.2493% | 526 |
| Retained earnings to average equity (ytd only) | 8.2301% | 1,069 |
| Net charge-offs to loans | 0.0482% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 101.9975% | 356 |
| Efficiency ratio | 51.4671% | 7,449 |
| Assets per employee ($millions) | 3.4492% | 5,054 |
| Cash dividends to net income (ytd only)* | 52.2876% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,296 |
| Loan loss allowance to noncurrent loans | 136.5217% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 6,126 |
| Noncurrent loans to loans | 1.1186% | 5,077 |
| Net loans and leases to total assets | 46.9608% | 7,038 |
| Net loans and leases to deposits | 55.3888% | 7,124 |
| Net loans and leases to core deposits | 74.2841% | 6,713 |
| Total domestic deposits to total assets | 84.7838% | 3,331 |
| Equity capital to assets | 14.2299% | 1,228 |
| Core capital (leverage) ratio | 12.3193% | 1,656 |
| Tier 1 risk-based capital ratio | 22.9756% | 1,113 |
| Total risk-based capital ratio | 24.2260% | 1,081 |
| Memoranda: | ||
| Average total assets | $171,321,750 | 3,606 |
| Average earning assets | $163,445,750 | 3,484 |
| Average equity | $23,652,500 | 2,795 |
| Average total loans | $82,977,750 | 4,452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 4,429 |
| Cost of funding earning assets | 0.9230% | 7,667 |
| Net interest margin | 4.6090% | 937 |
| Noninterest income to average assets | 0.4610% | 4,768 |
| Noninterest expense to average assets | 2.5822% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2721% | 171 |
| Return on assets (ROA) | 2.2721% | 186 |
| Pretax return on assets | 2.2721% | 311 |
| Return on Equity (ROE) | 16.6293% | 629 |
| Retained earnings to average equity (ytd only) | 8.4089% | 1,086 |
| Net charge-offs to loans | 0.0024% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1,942.0000% | 11 |
| Efficiency ratio | 53.1935% | 7,412 |
| Assets per employee ($millions) | 3.6949% | 4,340 |
| Cash dividends to net income (ytd only)* | 49.4336% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,916 |
| Loan loss allowance to noncurrent loans | 2,292.8571% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 7,538 |
| Noncurrent loans to loans | 0.0680% | 7,355 |
| Net loans and leases to total assets | 44.7960% | 7,280 |
| Net loans and leases to deposits | 51.5693% | 7,404 |
| Net loans and leases to core deposits | 70.1070% | 7,011 |
| Total domestic deposits to total assets | 86.8657% | 2,325 |
| Equity capital to assets | 12.9786% | 1,701 |
| Core capital (leverage) ratio | 12.5305% | 1,614 |
| Tier 1 risk-based capital ratio | 21.7483% | 1,289 |
| Total risk-based capital ratio | 23.0082% | 1,261 |
| Memoranda: | ||
| Average total assets | $170,942,000 | 3,620 |
| Average earning assets | $162,943,000 | 3,509 |
| Average equity | $23,356,330 | 2,830 |
| Average total loans | $83,222,000 | 4,491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 4,369 |
| Cost of funding earning assets | 0.9798% | 7,700 |
| Net interest margin | 4.6178% | 913 |
| Noninterest income to average assets | 0.4606% | 4,678 |
| Noninterest expense to average assets | 2.4812% | 5,909 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3775% | 163 |
| Return on assets (ROA) | 2.3775% | 193 |
| Pretax return on assets | 2.3775% | 314 |
| Return on Equity (ROE) | 16.9376% | 693 |
| Retained earnings to average equity (ytd only) | 8.6921% | 1,570 |
| Net charge-offs to loans | -0.0048% | 7,176 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0670% | 7,504 |
| Assets per employee ($millions) | 3.4121% | 5,042 |
| Cash dividends to net income (ytd only)* | 48.6815% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 2,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.2789% | 7,003 |
| Net loans and leases to deposits | 56.2294% | 7,147 |
| Net loans and leases to core deposits | 76.3589% | 6,652 |
| Total domestic deposits to total assets | 85.8607% | 2,789 |
| Equity capital to assets | 13.9946% | 1,366 |
| Core capital (leverage) ratio | 12.9059% | 1,512 |
| Tier 1 risk-based capital ratio | 22.0075% | 1,302 |
| Total risk-based capital ratio | 23.2622% | 1,269 |
| Memoranda: | ||
| Average total assets | $165,887,000 | 3,729 |
| Average earning assets | $157,998,500 | 3,612 |
| Average equity | $23,285,500 | 2,845 |
| Average total loans | $83,639,000 | 4,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1358% | 4,859 |
| Cost of funding earning assets | 1.4997% | 7,612 |
| Net interest margin | 4.6361% | 1,080 |
| Noninterest income to average assets | 0.6257% | 3,669 |
| Noninterest expense to average assets | 2.7150% | 5,200 |
| Loan and lease loss provision to assets | 0.2961% | 4,015 |
| Net operating income to assets | 2.0160% | 341 |
| Return on assets (ROA) | 1.9264% | 397 |
| Pretax return on assets | 1.9264% | 728 |
| Return on Equity (ROE) | 14.0023% | 1,105 |
| Retained earnings to average equity (ytd only) | 2.2534% | 3,807 |
| Net charge-offs to loans | 0.1061% | 5,235 |
| Credit loss provision to net charge-offs | 545.3488% | 804 |
| Earnings coverage of net charge-offs (x) | 42.5814% | 870 |
| Efficiency ratio | 54.0065% | 7,267 |
| Assets per employee ($millions) | 3.2916% | 5,230 |
| Cash dividends to net income (ytd only)* | 83.9069% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.0314% | 6,934 |
| Net loans and leases to deposits | 60.3731% | 7,056 |
| Net loans and leases to core deposits | 80.9788% | 6,539 |
| Total domestic deposits to total assets | 84.5268% | 3,062 |
| Equity capital to assets | 14.0800% | 1,403 |
| Core capital (leverage) ratio | 12.9048% | 1,577 |
| Tier 1 risk-based capital ratio | 20.8952% | 1,467 |
| Total risk-based capital ratio | 22.1549% | 1,439 |
| Memoranda: | ||
| Average total assets | $158,379,400 | 3,751 |
| Average earning assets | $150,364,000 | 3,650 |
| Average equity | $21,789,200 | 3,006 |
| Average total loans | $81,092,200 | 4,488 |